2026 loan limits in St. Joseph County, Indiana
In St. Joseph 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 St. Joseph 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 St. Joseph County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in St. Joseph County?
$541,287 for a one-unit home.
More for St. Joseph County
St. Joseph County property taxesFHA loan limits toolIndiana closing costsGranger 46530 market dataLakeville 46536 market dataMishawaka 46544 market dataMishawaka 46545 market dataNew Carlisle 46552 market dataNorth Liberty 46554 market dataOsceola 46561 market dataSouth Bend 46601 market dataSouth Bend 46613 market dataSouth Bend 46614 market data
2026 limits from HUD’s county files (South Bend-Mishawaka, In-Mi). Conforming limits are set by the Federal Housing Finance Agency.