In the year 2026, the FHA loan limits assigned to Bainbridge, within Chenango, NY, are as follows: $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for those with three units, and $907,900 for four-unit residences.
For conventional loan limits, a single-family residence can reach up to $726,200. This increases to $929,850 for two-unit homes, $1,123,900 for three units, and caps at $1,396,800 for four-unit properties.
Utilize our FHA calculator to discover today’s best FHA rates and get insights into the necessary downpayment, income, credit requirements, reserves, and qualification documents.
The Lendersa® calculator is designed to let you compare FHA rates and terms alongside all other loan program details. Consider exploring Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA options.
Lendersa® efficiently compiles loan data from thousands of lenders, matching it promptly with your unique financial needs and profile.
Check out the Loan Limits Comparison Table for 2026 in Bainbridge, located in Chenango, NY, to compare maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze requirement criteria such as income, reserves, and credit, use 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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