In 2025, the FHA loan limits for Albany county, Albany, NY are: $472,030 for a single-family home, $604,400 for two units, $730,525 for three-unit dwellings, and $907,900 for four-unit properties.
The maximum loan amounts allowed for conventional loans on a single-family residence are $726,200. For two-unit buildings, the limit is $929,850, three units cap at $1,123,900, and for four units, it's $1,396,800.
Utilize our FHA calculator to find today’s leading FHA rates and calculate the necessary down payment, income levels, credit score, reserves, and essential documents for qualification.
The Lendersa® calculator provides opportunities to compare FHA rates and terms against various other loan programs. Evaluate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans in conjunction with FHA.
Lendersa® swiftly aggregates loan program data from thousands of lenders, offering detailed comparisons suited to your financial profile.
The Loan Limits Comparison Table for 2025 in Albany county, Albany, NY, enables comprehensive comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To dive into qualification requirements like income, reserves, and credit, use the 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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