2026 loan limits in Centre County, Pennsylvania
In Centre 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 Centre 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 Centre County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Centre County?
$541,287 for a one-unit home.
More for Centre County
Centre County property taxesFHA loan limits toolPennsylvania closing costsAaronsburg 16820 market dataBellefonte 16823 market dataBlanchard 16826 market dataBoalsburg 16827 market dataCentre Hall 16828 market dataClarence 16829 market dataCoburn 16832 market dataHoward 16841 market dataJulian 16844 market dataKarthaus 16845 market data
2026 limits from HUD’s county files (State College, Pa). Conforming limits are set by the Federal Housing Finance Agency.