sale.multifamilyforPublished by multifamilyfor.saleOfficial publisherv1.2026.1101.0Updated Nov 3, 2026
FHA and conforming 2-4 unit loan limits by county, plus owner-occupant house-hack math.
Porchlight: 2-4 unit loan limits and owner-occupant math's hosted MCP server (multifamilyfor.sale), published by multifamilyfor.sale; no sign-in required; Streamable HTTP; 3 tools.
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{
"mcpServers": {
"porchlight-2-4-unit-loan-limits-and-owne": {
"type": "http",
"url": "https://multifamilyfor.sale/mcp"
}
}
}FHA and conforming loan limits for a county
The current-year FHA forward and FHFA conforming loan limits for 1, 2, 3 and 4 units in one county (or parish, borough, planning region, municipio), whether FHA treats it as high-cost, the 1-unit conforming figure VA uses with entitlement in use, and the highest price that keeps an FHA base loan inside the limit at 3.5% down.
staterequiredcountyrequiredLoan limits for every county in a state
One state or territory's current-year FHA and conforming loan limits for 2, 3 and 4 units, county by county, with how many counties sit at the FHA floor and the highest FHA limits. Sort by name or by the FHA limit for a unit count; filter to high-cost counties; page with limit and offset.
sortlimitstaterequiredunitsoffsethigh_cost_onlyOwner-occupant math for a duplex, triplex or fourplex
Runs the site's 2-4 unit owner-occupant calculator: down payment, base loan, FHA upfront and annual MIP, the monthly PITI, the loan against the county limit (when state and county are given), FHA's self-sufficiency test on 3-4 units, the rent a lender can count (75% of the other units), net monthly cost after their rent, and the reserves rule for FHA, VA or conventional.
pricerequiredrentsrequiredstateunitsrequiredcountyrate_pctrequiredloan_typerequiredterm_yearsvacancy_pctva_entitlementdown_payment_pctinsurance_annual+2 more83% of the applicable checks met
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