In 2026, the FHA loan limits in Bergen, county of Genesee, NY, are $472,030 for a single-family home. For two-unit properties, the limit is $604,400; for three units, it's $730,525; and for four units, it reaches $907,900.
The maximum amounts for conventional loans on single-family homes are $726,200. For two-unit residences, it is $929,850; for three units, $1,123,900; and for four units, $1,396,800.
Utilize our FHA calculator to find today’s best FHA rates, calculate the downpayment, and assess your income, credit, reserves, and required documents for qualification.
The Lendersa® calculator helps you compare FHA rates with those of other loan programs. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® swiftly aggregates loan program data from thousands of lenders, offering quick comparisons to suit your financial needs.
The Loan Limits Comparison Table for 2026 in Bergen, county of Genesee, NY, provides maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification insights like income, reserves, and credit, consider using 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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