In the year 2026, the FHA loan limits in Spearfish county of Lawrence, SD offer $472,030 for single-family homes, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit properties.
When it comes to conventional loans, the highest amount available for single-family homes is $726,200. For two, three, and four units, the limits stand at $929,850, $1,123,900, and $1,396,800, respectively.
To find the most favorable FHA rates today, use our FHA calculator. It will also assist you in determining necessary downpayments, income levels, credit scores, reserves, and documents required for eligibility.
The Lendersa® tool allows you to compare the rates and terms of FHA loans against an array of other loan types. Examine and contrast Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® mines loan program information from a multitude of lenders and evaluates it against your specific financial profile within moments.
The Loan Limits Comparison Table for 2026 in Spearfish county, Lawrence, SD allows you to compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For a deeper dive into qualification criteria like 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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