For 2026, the FHA loan limits in Arcadia, Wayne County, NY, are $472,030 for single-family homes, $604,400 for 2-unit properties, $730,525 for 3-units, and $907,900 for 4-units.
Regarding conventional loans, the top borrowing amount for a single-family residence is $726,200, while it is $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Use our FHA calculator to explore today’s finest FHA rates, and calculate the downpayment, income, credit, reserves, and documents necessary for qualification.
The Lendersa® calculator lets you compare FHA loan rates and terms against all other loan programs. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently aggregates extensive loan program data from thousands of lenders, comparing it swiftly with your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Arcadia, within Wayne County, NY, allows a comparison between maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria such as 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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