Mortgage lender in Delaware County, PA

Buying in Delaware County

Delaware County, with its county seat in Media, takes in Media, Upper Darby, Springfield, Havertown, Chester, Radnor and Newtown Square. Stellar lends across all of Pennsylvania, and Delaware County files are handled from our Southampton, PA office by a licensed officer you can reach directly.

2026 conforming limit

$832,750

2026 FHA limit

$630,200 (one-unit, set by HUD)

Above that

Jumbo pricing

Closing handled by

title company

State housing agency

PHFA (participating lender)

Your office

Southampton, PA

2026 limits for a one-unit property. Delaware County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Delaware County. Loans above it are jumbo, which means tighter reserves and different pricing.

Delaware County: Havertown twins, Media singles and the eastern Main Line

Delaware County sits between Philadelphia and Chester County and is one of the densest suburban markets we lend in. Upper Darby, Drexel Hill, Lansdowne, Clifton Heights and the Ridley townships are built almost entirely of rowhomes and twins that remain a realistic first purchase for buyers priced out of the Main Line. Havertown, Springfield, Broomall and Media, the county seat, are single-family neighborhoods with strong school districts, and the county's Main Line townships of Radnor, Haverford and Newtown Square are where loan amounts run past the conforming baseline into jumbo territory.

Delaware County completed a countywide property reassessment in recent years, so the tax figure on an older listing can be stale; we pull the current assessment and millage for the school district on every file rather than relying on the listing sheet. Older attached housing in the eastern boroughs also brings the same FHA appraisal condition questions we see in Philadelphia, and the City of Chester and neighboring boroughs have addresses where renovation financing is the right tool.

Files here are handled from our Southampton head office by a licensed Pennsylvania officer, with title company closings, PHFA assistance for buyers within the agency's limits, and VA financing that is heavily used near the county's military and federal employers. Our Southampton team also serves Delaware County buyers in Spanish, Russian and Ukrainian.

Delaware County by the numbers

Median home value

$332,200 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 1.84% of home value a year: median tax bill $6,124 on a median value of $332,200 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

State realty transfer tax of 1% of the value, plus a local tax that varies by municipality (Pennsylvania Department of Revenue)

Largest communities

Upper Darby Township, Haverford Township, Radnor Township, Chester (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $332,200. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $630,200.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Pennsylvania

Closings in Pennsylvania are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Pennsylvania page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Delaware County buyers ask

Conforming limit shown is the 2026 FHFA figure for Delaware County. FHA limits and state agency caps are set by HUD and PHFA and change periodically. Verify on the official source. Not a commitment to lend.