Wilmington, DE loan limits: 2026 conforming and FHA context

Start with the dated local finding: Wilmington, DE is connected to New Castle County for this 2026 source comparison. The published one-unit conforming limit is $832,750, while the published one-unit FHA limit is $630,200. Those figures organize different program categories; $832,750 is not a conventional loan offer, and $630,200 is not an FHA eligibility finding. For Wilmington, DE, starting with New Castle County keeps the limits attached to the county or county-equivalent area used in the official files. Borrowers in Wilmington, DE still need to confirm the selected property's location and legal unit count, because the relevant New Castle County row follows the property instead of the city label or mailing address alone. Around Wilmington, DE, mailing cities and ZIP codes can cross county boundaries, so the official property jurisdiction should be verified instead of inferred from a familiar place name. Keep New Castle County as Wilmington, DE's confirmed county row before comparing the $832,750 and $630,200 program boundaries.

For borrowers in Wilmington, DE, New Castle County's conforming limit rises from $832,750 for one unit to $1,601,750 for four units, while the FHA figures move from $630,200 to $1,211,950. For the decision at hand, the higher $1,601,750 and $1,211,950 amounts apply to the published four-unit category; they do not apply to a one-unit home merely because a borrower wants a larger loan.