2026 loan limits in Wayne County, Pennsylvania
In Wayne 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 Wayne 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 Wayne County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Wayne County?
$541,287 for a one-unit home.
More for Wayne County
Wayne County property taxesFHA loan limits toolPennsylvania closing costsBeach Lake 18405 market dataDamascus 18415 market dataEquinunk 18417 market dataHonesdale 18431 market dataLake Ariel 18436 market dataLake Como 18437 market dataLakeville 18438 market dataLakewood 18439 market dataMilanville 18443 market dataNewfoundland 18445 market data
2026 limits from HUD’s county files (Non-Metro). Conforming limits are set by the Federal Housing Finance Agency.