For 2026, in Ardsley county within Westchester, NY, the FHA loan limit is set at $1,089,300 for a single-family home, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
The cap for conventional loans is $1,089,300 for single-family homes. For properties with two units, it's $1,394,775; for three units, $1,685,850; and for four-unit properties, it's $2,095,200.
Try our FHA calculator to see today’s best FHA rates as well as what down payment, income, credit, reserves, and documents you'll need to qualify.
Lendersa® offers a tool to compare FHA rates and terms with all other loan programs' rates and terms. Explore options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Gathering information from thousands of lenders, Lendersa® compares loan programs swiftly against your financial situation.
The Loan Limits Comparison Table for 2026 in Ardsley county of Westchester, NY provides a detailed look at maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare criteria like income, reserves, and credit requirements.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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