In 2026, the FHA loan limits set in Rapid-City county of Pennington, SD are as follows: $356,362 for a single-family home, extending to $456,275 for two-unit properties, $551,500 for three-unit residences, and topping at $685,400 for four-unit buildings.
The conventional loan ceiling on a single-family home begins at $548,250. For two-unit dwellings, it is $702,000; for three units, it rises to $848,500, and for four-unit properties, it reaches $1,054,500.
Utilize our FHA calculator to discover today’s top FHA rates and to delineate the requisite downpayment, assess income, credit, reserves, and the documents necessary to qualify.
The Lendersa® calculator empowers you to compare FHA rates and terms with those from other loan programs. Delve into and contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money options with FHA selections.
Data is drawn from thousands of lenders by Lendersa®, facilitating rapid comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Rapid-City county, Pennington, SD, provides insights into maximum loan amounts available across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification essentials such as income, reserves, and credit, use Lendersa®'s Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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