Skip to content
Purchase Mortgage Loan
Get Pre-Approved

Delaware loan limits for 2026

Quick answer

In 2026, the single-family conforming loan limit in Delaware is $832,750 in every county, and FHA limits range from $541,287 to $630,200. None of its 3 counties are designated high-cost areas. Look up your county below for official 1–4 unit limits from FHFA and HUD.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

What are the loan limits in each Delaware county?

CountyConforming (1 unit)FHA (1 unit)FHA (2 units)Median home value
Kent County$832,750$541,287$693,050$290,600
New Castle County$832,750$630,200$806,750$329,800
Sussex County$832,750$541,287$693,050$353,300

Which Delaware counties are high-cost areas?

No Delaware county is above the national baseline, so the conforming limit is $832,750 statewide.

Largest cities in Delaware

WilmingtonDoverNewarkMiddletownBearGlasgowBrooksideHockessinSmyrnaMilfordPike Creek Valley

Frequently asked questions

FHA one-unit limits in Delaware start at $541,287. In New Castle County, the most populous county, it's $630,200.

The 2026 one-unit conforming limit in New Castle County is $832,750.

With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.

Sources

Data last updated October 23, 2026.

Get matched with Delaware lenders

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.