2026 loan limits in Lackawanna County, Pennsylvania
In Lackawanna 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 Lackawanna 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 Lackawanna County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Lackawanna County?
$541,287 for a one-unit home.
More for Lackawanna County
Lackawanna County property taxesFHA loan limits toolPennsylvania closing costsArchbald 18403 market dataCarbondale 18407 market dataClarks Summit 18411 market dataDalton 18414 market dataFleetville 18420 market dataGouldsboro 18424 market dataJermyn 18433 market dataJessup 18434 market dataMoosic 18507 market dataMoscow 18444 market data
2026 limits from HUD’s county files (Scranton--Wilkes-Barre, Pa). Conforming limits are set by the Federal Housing Finance Agency.