# Porchlight

> 2026 FHA and conforming loan limits for 2-4 units in every county, plus owner-occupant math: down payment, MIP, PITI and the FHA self-sufficiency test.

Porchlight is published by Janover Capital LLC. Contact: desk@janover.co.

MCP server for AI assistants: https://multifamilyfor.sale/mcp (Streamable HTTP, free, read-only, no key; get_loan_limits, list_state_loan_limits, house_hack_math). Docs: https://multifamilyfor.sale/developers/

## Pages
- [Found a 2-4 unit you'd live in? Check whether the loan works.](https://multifamilyfor.sale/): No listings here. 2026 FHA and conforming limits for 2-4 units in every county, and a calculator for down payment, MIP, PITI and the FHA self-sufficiency test.
- [About Porchlight](https://multifamilyfor.sale/about/): Who runs Porchlight, where its loan limits and rules come from, how they're kept current, how the site pays for itself, and how to report a mistake.
- [Duplex to fourplex mortgage calculator for FHA, VA and conventional](https://multifamilyfor.sale/calculator/): Owner-occupant math for 2-4 units: down payment, loan vs your county limit, FHA MIP, PITI, the FHA self-sufficiency test and rent a lender can count.
- [Contact Porchlight](https://multifamilyfor.sale/contact/): Send Porchlight a question or request. We read every message and reply by email.
- [County loan limits download (CSV, JSON) and live rate data](https://multifamilyfor.sale/data/): Every county's FHA and conforming loan limits for 1-4 units as one CSV or JSON file, with a column guide, the JSON endpoints and a free rate widget.
- [2-4 unit loan limits for AI assistants and developers: MCP server](https://multifamilyfor.sale/developers/): Free MCP server for FHA and conforming 2-4 unit loan limits by county and owner-occupant duplex to fourplex math, for Claude, ChatGPT and other assistants.
- [Disclosures](https://multifamilyfor.sale/disclosures/): What Porchlight is and isn't, how calculator estimates work, who may contact you after a request, and our fair housing and agency-affiliation statements.
- [Buying a 5 to 20 unit building: why it needs a commercial loan](https://multifamilyfor.sale/five-to-twenty-units/): FHA, VA and Fannie Mae home loans stop at four units. What changes at five, which loan programs exist, and where a 5-20 unit purchase goes.
- [Guides to buying a 2-4 unit home you live in](https://multifamilyfor.sale/guides/): Guides from Porchlight on the FHA self-sufficiency test and on choosing FHA, VA or conventional financing for a duplex, triplex or fourplex.
- [2026 FHA and conforming loan limits for 2, 3 and 4 units, by county](https://multifamilyfor.sale/loan-limits/): Look up the 2026 FHA and conforming loan limits for a duplex, triplex or fourplex in any U.S. county, from the HUD and FHFA county files.
- [Alaska 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ak/): Alaska's 2026 FHA fourplex limit runs from $1,041,125 to $1,147,800. Duplex, triplex and conforming limits for every borough or census area, from HUD and FHFA.
- [Alabama 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/al/): Alabama's 2026 FHA fourplex limit is $1,041,125 across 67 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Arkansas 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ar/): Arkansas's 2026 FHA fourplex limit is $1,041,125 across 75 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Arizona 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/az/): Arizona's 2026 FHA fourplex limit runs from $1,041,125 to $1,172,150. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [California 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ca/): California's 2026 FHA fourplex limit runs from $1,041,125 to $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Colorado 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/co/): Colorado's 2026 FHA fourplex limit runs from $1,041,125 to $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Connecticut 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ct/): Connecticut's 2026 FHA fourplex limit runs from $1,041,125 to $1,879,850. Duplex, triplex and conforming limits for every planning region, from HUD and FHFA.
- [District of Columbia 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/dc/): District of Columbia's 2026 FHA fourplex limit is $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Delaware 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/de/): Delaware's 2026 FHA fourplex limit runs from $1,041,125 to $1,211,950. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Florida 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/fl/): Florida's 2026 FHA fourplex limit runs from $1,041,125 to $1,904,150. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Georgia 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ga/): Georgia's 2026 FHA fourplex limit runs from $1,041,125 to $1,382,250. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Hawaii 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/hi/): Hawaii's 2026 FHA fourplex limit runs from $1,127,900 to $2,499,100. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Iowa 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ia/): Iowa's 2026 FHA fourplex limit is $1,041,125 across 99 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Idaho 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/id/): Idaho's 2026 FHA fourplex limit runs from $1,041,125 to $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Illinois 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/il/): Illinois's 2026 FHA fourplex limit is $1,041,125 across 102 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Indiana 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/in/): Indiana's 2026 FHA fourplex limit is $1,041,125 across 92 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Kansas 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ks/): Kansas's 2026 FHA fourplex limit is $1,041,125 across 105 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Kentucky 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ky/): Kentucky's 2026 FHA fourplex limit is $1,041,125 across 120 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Louisiana 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/la/): Louisiana's 2026 FHA fourplex limit is $1,041,125 across 64 parishes. Duplex, triplex and conforming limits for every parish, from HUD and FHFA.
- [Massachusetts 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ma/): Massachusetts's 2026 FHA fourplex limit runs from $1,041,125 to $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Maryland 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/md/): Maryland's 2026 FHA fourplex limit runs from $1,041,125 to $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Maine 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/me/): Maine's 2026 FHA fourplex limit runs from $1,041,125 to $1,183,200. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Michigan 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/mi/): Michigan's 2026 FHA fourplex limit is $1,041,125 across 83 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Minnesota 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/mn/): Minnesota's 2026 FHA fourplex limit runs from $1,041,125 to $1,061,550. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Missouri 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/mo/): Missouri's 2026 FHA fourplex limit is $1,041,125 across 115 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Mississippi 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ms/): Mississippi's 2026 FHA fourplex limit is $1,041,125 across 82 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Montana 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/mt/): Montana's 2026 FHA fourplex limit runs from $1,041,125 to $1,450,800. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [North Carolina 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/nc/): North Carolina's 2026 FHA fourplex limit runs from $1,041,125 to $1,548,100. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [North Dakota 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/nd/): North Dakota's 2026 FHA fourplex limit is $1,041,125 across 53 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Nebraska 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ne/): Nebraska's 2026 FHA fourplex limit runs from $1,041,125 to $1,161,050. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [New Hampshire 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/nh/): New Hampshire's 2026 FHA fourplex limit runs from $1,041,125 to $1,851,100. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [New Jersey 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/nj/): New Jersey's 2026 FHA fourplex limit runs from $1,041,125 to $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [New Mexico 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/nm/): New Mexico's 2026 FHA fourplex limit runs from $1,041,125 to $1,331,350. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Nevada 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/nv/): Nevada's 2026 FHA fourplex limit runs from $1,041,125 to $1,415,400. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [New York 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ny/): New York's 2026 FHA fourplex limit runs from $1,041,125 to $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Ohio 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/oh/): Ohio's 2026 FHA fourplex limit runs from $1,041,125 to $1,136,750 across 88 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Oklahoma 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ok/): Oklahoma's 2026 FHA fourplex limit is $1,041,125 across 77 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Oregon 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/or/): Oregon's 2026 FHA fourplex limit runs from $1,041,125 to $1,466,250. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Pennsylvania 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/pa/): Pennsylvania's 2026 FHA fourplex limit runs from $1,041,125 to $1,211,950. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Rhode Island 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ri/): Rhode Island's 2026 FHA fourplex limit is $1,514,950 across 5 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [South Carolina 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/sc/): South Carolina's 2026 FHA fourplex limit runs from $1,041,125 to $1,326,950. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [South Dakota 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/sd/): South Dakota's 2026 FHA fourplex limit runs from $1,041,125 to $1,041,650. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [2026 FHA and conforming limits, 2-4 units: Puerto Rico and territories](https://multifamilyfor.sale/loan-limits/territories/): 2026 FHA and conforming loan limits for 2, 3 and 4 unit homes in Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa and the Northern Marianas.
- [Tennessee 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/tn/): Tennessee's 2026 FHA fourplex limit runs from $1,041,125 to $1,979,350. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Texas 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/tx/): Texas's 2026 FHA fourplex limit runs from $1,041,125 to $1,563,600. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Utah 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/ut/): Utah's 2026 FHA fourplex limit runs from $1,041,125 to $2,238,150 across 29 counties. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Virginia 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/va/): Virginia's 2026 FHA fourplex limit runs from $1,041,125 to $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Vermont 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/vt/): Vermont's 2026 FHA fourplex limit runs from $1,041,125 to $1,105,800. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Washington 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/wa/): Washington's 2026 FHA fourplex limit runs from $1,041,125 to $2,045,700. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Wisconsin 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/wi/): Wisconsin's 2026 FHA fourplex limit runs from $1,041,125 to $1,061,550. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [West Virginia 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/wv/): West Virginia's 2026 FHA fourplex limit runs from $1,041,125 to $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Wyoming 2026 loan limits for 2-4 units](https://multifamilyfor.sale/loan-limits/wy/): Wyoming's 2026 FHA fourplex limit runs from $1,041,125 to $2,402,625. Duplex, triplex and conforming limits for every county, from HUD and FHFA.
- [Privacy policy](https://multifamilyfor.sale/privacy/): What Porchlight collects when you visit or contact us, why, who it is shared with, and how to reach us about it.
- [Terms of use](https://multifamilyfor.sale/terms/): The terms that apply when you use Porchlight, including what the information here is and is not.

## Guides
- [The FHA self-sufficiency test, worked step by step](https://multifamilyfor.sale/guides/fha-self-sufficiency-test/): FHA's self-sufficiency test for triplexes and fourplexes: the handbook's exact rule, a worked example that fails, and four changes to try.
- [FHA, VA or conventional for a 2-4 unit you'll live in](https://multifamilyfor.sale/guides/fha-va-or-conventional-for-a-2-4-unit/): How FHA, VA and conventional loans differ on a 2-4 unit home you live in: down payment, county limits, mortgage insurance, rent that counts and reserves.