As of 2026, in Harrisburg county situated within Lincoln, SD, the FHA loan ceiling is set at $472,030 for a single-family property, $604,400 for a duplex, $730,525 for a triplex, and $907,900 for a four-unit residence.
Regarding conventional loan limits on a single-family home, the maximum is $726,200, increasing to $929,850 for a duplex, $1,123,900 for three units, and reaching $1,396,800 for properties with four units.
Leverage our FHA calculator to find today's competitive FHA rates and evaluate the necessary down payment, income, credit score, reserves, and documentation required for qualification.
The Lendersa® calculator enables comprehensive comparisons between FHA-rate programs and other types, including conventional loans, jumbo loans, VA loans, USDA loans, non-QM, and hard money loans.
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In 2026, the Loan Limits Comparison Table for Harrisburg county in Lincoln, SD allows you to juxtapose maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. For a comparison of qualification criteria such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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