2026 loan limits in Chester County, Pennsylvania
In Chester 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 $630,200.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$630,200High-cost county
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$653,057Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $630,200 |
| 2 units | $1,066,250 | $806,750 |
| 3 units | $1,288,800 | $975,200 |
| 4 units | $1,601,750 | $1,211,950 |
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 Chester 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 $653,057.
Questions
What is the 2026 conforming loan limit in Chester County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Chester County?
$630,200 for a one-unit home.
More for Chester County
Chester County property taxesFHA loan limits toolPennsylvania closing costsAtglen 19310 market dataAvondale 19311 market dataBerwyn 19312 market dataBrandamore 19316 market dataChadds Ford 19317 market dataChester Springs 19425 market dataCoatesville 19320 market dataCochranville 19330 market dataDevon 19333 market dataDowningtown 19335 market data
2026 limits from HUD’s county files (Philadelphia-Camden-Wilmington, Pa-Nj-De-Md). Conforming limits are set by the Federal Housing Finance Agency.