For the year 2026, the loan ceiling for FHA in Vermillion county, Clay, SD, is set at $472,030 for a single-family home. For two-unit properties, it's $604,400, $730,525 for tri-plexes, and $907,900 for quadruplexes.
With conventional loans, the cap is $726,200 for one-family homes, reaching up to $929,850, $1,123,900, and $1,396,800 for two to four-unit residences, respectively.
To discover the best FHA rates available today, utilize our FHA calculator to evaluate downpayments, income criteria, credit standings, reserves, and necessary documentation for qualification.
The Lendersa® tool offers insights into comparing FHA rates and terms with those of various other loans. Delve into and benchmark Conventional, Jumbo, VA, USDA, Non-QM, and hard money financing options with FHA.
Lendersa® aggregates comprehensive loan program data from numerous lenders and swiftly aligns it with your financial standing and requirements.
The Loan Limits Chart for 2026 in Vermillion county, Clay, SD facilitates comparison among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. For a detailed look at criteria like income, reserves, and credit, turn to 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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