For 2026, the FHA loan limit in Calcium county located in Jefferson, NY, is as follows: $472,030 for a single-family home, $604,400 for duplexes, $730,525 for three-unit homes, and $907,900 for four-unit properties.
The maximum amount for conventional loans on a single-family home is $726,200. For duplexes, it's $929,850, for triplexes, $1,123,900, and for four-unit residences, the cap is $1,396,800.
Our FHA calculator provides access to today's top FHA rates and determines necessary criteria such as down payment, income, credit, reserves, and documentation required for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with various other loan programs. You can explore and contrast options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and even hard money loans, alongside the FHA.
Lendersa® efficiently compiles loan program data from thousands of lenders and matches it to your unique financial profile and needs quickly.
The Loan Limits Comparison Table for 2026, in Calcium county of Jefferson, NY, allows comparisons among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM), as well as hard money options. To assess qualification needs such as income, reserves, and creditworthiness, use 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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