For Binghamton-University county in Broome, NY, during 2026, the FHA has set the loan limits at $356,362 for single-family homes, $456,275 for two-unit residences, $551,500 for three-unit dwellings, and $685,400 for four-unit structures.
Conventional loans have a top limit of $548,250 for single-family residences, $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for homes with four units.
Leverage our FHA calculator to find the best FHA rates today and assess necessary down payments, income, credit requirements, reserves, and required documentation for qualification.
With the Lendersa® calculator, compare the rates and terms of FHA loans with those from various other loan programs. Look into and contrast FHA options with Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently gathers data from thousands of lenders to provide rapid comparisons tailored to your unique financial profile and needs.
Use the Loan Limits Comparison Table for 2026 in Binghamton-University county, Broome, NY, to compare maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For more on qualification criteria like income, reserves, and credit, apply Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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