In the year 2025, the FHA loan limits for Buffalo county of Erie, NY are defined as follows: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for those with three units, and $907,900 for buildings with four units.
When it comes to conventional loans, the highest loan amount available for a single-family residence is $726,200. For homes with two units, the limit is $929,850, for three-unit homes it's $1,123,900, and for four-unit properties, it caps at $1,396,800.
Utilize our FHA calculator to access today's leading FHA rates, and find out the required down payment, necessary income, credit conditions, reserves, and documentation needed for qualification.
The Lendersa® calculator provides the tools to compare FHA rates and terms with a wide variety of loan programs. Explore options across Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
By efficiently compiling data from thousands of lenders, Lendersa® presents quick and personalized comparisons that match your unique financial profile and preferences.
For 2025, the Loan Limits Comparison Table in Buffalo county, Erie, NY, allows you to compare the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further evaluate qualification requirements such as income, reserves, and credit ratings, utilize 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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