In 2026, the FHA loan limits for the county of Jefferson in Adams, NY are set at $472,030 for a single-family home. For a two-unit property, the limit is $604,400, while for a three-unit property it is $730,525. For properties with four units, it is $907,900.
Conventional loans also have specified caps: $726,200 for single-family homes, rising to $929,850 for two-unit residences, $1,123,900 for three-unit, and reaching $1,396,800 for four units.
Utilize our FHA calculator to explore today’s best FHA rates, and determine important criteria such as downpayment, income, credit score, reserves, and the necessary documents for qualification.
The Lendersa® calculator offers the ability to compare FHA rates and conditions with those from an assortment of other loan programs. Whether considering Conventional, Jumbo, VA, USDA, Non-QM, or hard money loans, all options alongside FHA can be evaluated.
By accessing an expansive database from thousands of lenders, Lendersa® swiftly aligns your profile with potential loan programs tailored to your unique financial situation and goals.
Our Loan Limits Comparison Table for 2026 in Adams county of Jefferson, NY delineates the maximum for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For comprehensive evaluations of eligibility requirements like income, reserves, and credit scores, employ Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| 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 | $336,500 | $336,500 | $336,500 | $336,500 |
| 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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