For the year 2026, the FHA loan cap in Tea county located in Lincoln, SD is set at $472,030 for single-family homes, with limits of $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit properties.
Conversely, the peak loan amount for conventional loans on single-family homes is $726,200. This increases to $929,850 for two-unit homes, $1,123,900 for three-unit dwellings, and culminates at $1,396,800 for four-unit buildings.
To see the top FHA rates for today and assess downpayment, income, credit scores, reserves, and the documentation required for qualification, try our FHA calculator.
The versatile Lendersa® calculator allows you to juxtapose FHA rates and terms with those of various other loans, including conventional loans, jumbo loans, VA loans, USDA loans, non-QM, and hard money loans.
In mere seconds, Lendersa® pulls detailed loan program data from countless lenders to assess it alongside your unique financial situation and necessities.
The Loan Limits Comparison Table for 2026 in Tea county, found in Lincoln, SD, lets you compare maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To compare necessary qualifications like income, reserves, and credit ratings, 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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