FHA VS Conventional loan programs in 2026 for Manhattan, New York County, New York
For 2026, the conventional loan limit in Manhattan, within New York county, NY, is $1,089,300, whereas the FHA cap for a single-family home is $1,089,300.
Use the Lendersa® Conventional loan calculator to assess today's top rates among Conventional, FHA, and USDA loans. It helps determine the required income, credit, reserves, and necessary documents for qualification. With our advanced mortgage calculator, compare Conforming Conventional, USDA, FHA, and VA loans side by side to choose the best option in NY for your financial needs.
2026 Loan Limits and Down Payment Requirements in Manhattan, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$1,089,300
3%
USDA
$0
0%
FHA
$1,089,300
3.5%
This comparison table applies to zip codes: 10026
Options for Conventional and FHA Loans in Manhattan, NY
Our goal at Lendersa® is to quickly connect you with the best Conventional, USDA, or FHA loan without hassle. Start by selecting one of the three provided paths to matching lenders and programs.
West Forest Capital provides funds to real estate investors and others looking to finance non-owner occupied real estate. We lend on apartments, single family, multi-family, commercial, industrial, land, and other properties. We provide rehab funds, or full construction costs, as needed. FAST CLOSINGS, almost always less than 10 days.
AMERIMUTUAL has been successful in revolutionizing the industry one mortgage at a time. Our company values are grounded in the principles of honesty and fair dealing. For you, this means responsible lending with reasonable fees and you can enjoy a worry-free lending experience from a local Astoria, NY business you can trust.
We provide a full range of services to meet your mortgage needs. Foxx Capital Funding Inc. is a New York State Registered Mortgage Broker with a large selection of programs. We have an excellent working relationship with many lenders, and have the knowledge to select the right program to fit the borrowers needs.
Roc Capital is your premier partner for real estate investment solutions. Specializing in 1-4 residential fix-and-flip projects, we empower investors with robust financial tools and insightful market analysis. Our expert team, led by Evan Hakimi, is dedicated to accelerating your business growth and maximizing returns. Connect with us to transform
Saxon Spencer Capital, founded in New York in 2016, is a nationwide private lending platform, affording unique insight to the investment community; combining old-fashioned values with a sophisticated modern approach in solving the multiple labyrinths of the financial markets today. Saxon Spencer Capital creates customized financial solutions.
Tower Fund Capital owns and operates private equity funds engaged in business of providing asset-based debt solutions for real estate industry. With 35 years of experience in real estate, banking, investments, acquisitions, financing, debt restructuring and workouts. We pride ourselves in finding a solution to any situation.
