For 2025, in Byram within Fairfield county, CT, the FHA loan limits are as follows: $707,250 for a single-family home, $905,400 for 2-unit properties, $1,094,450 for 3-units, and up to $1,360,100 for 4-units.
The maximum allowable amount for conventional loans on a single-family house is $726,200. For two-unit residences, it's $929,850, then $1,123,900 for 3-unit homes, extending to $1,396,800 for 4-unit properties.
To gauge today's top FHA rates, use our FHA calculator. It helps in figuring out downpayments, income qualifications, credit benchmarks, reserve requirements, and necessary documents.
The Lendersa® calculator allows you to assess FHA rates and terms versus other loan options. Delve into comparisons of Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA standards.
Lendersa® aggregates data from a multitude of lenders, swiftly comparing it to your personal financial criteria and requirements.
Access the Loan Limits Comparison Table for 2025 to juxtapose FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximums in loan amounts. For a detailed comparison of eligibility factors like income, credit, and reserves, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $707,250 | $905,400 | $1,094,450 | $1,360,100 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $556,600 | $556,600 | $556,600 | $556,600 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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