2026 loan limits in Sussex County, Delaware
In Sussex 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 Sussex 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 Sussex County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Sussex County?
$541,287 for a one-unit home.
More for Sussex County
Sussex County property taxesFHA loan limits toolDelaware closing costsBethany Beach 19930 market dataBridgeville 19933 market dataDagsboro 19939 market dataDelmar 19940 market dataEllendale 19941 market dataFenwick Island 19944 market dataFrankford 19945 market dataGeorgetown 19947 market dataGreenwood 19950 market dataHarbeson 19951 market data
2026 limits from HUD’s county files (Seaford, De). Conforming limits are set by the Federal Housing Finance Agency.