2026 loan limits in Madison County, Indiana
In Madison County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Madison County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Madison County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Madison County?
$541,287 for a one-unit home.
More for Madison County
Madison County property taxesFHA loan limits toolIndiana closing costsAlexandria 46001 market dataAnderson 46011 market dataAnderson 46012 market dataAnderson 46013 market dataAnderson 46016 market dataAnderson 46017 market dataElwood 46036 market dataFrankton 46044 market dataIngalls 46048 market dataLapel 46051 market data
2026 limits from HUD’s county files (Indianapolis-Carmel-Greenwood, In). Conforming limits are set by the Federal Housing Finance Agency.