In 2025, the FHA loan limit for Cambria county in Niagara, NY is set at $472,030 for a single-family home. For properties with two units, the limit is $604,400, for three-unit homes it reaches $730,525, and for four-unit properties, the cap is $907,900.
The maximum conventional loan amount for a single-family residence is $726,200. For two-unit properties, it is $929,850, increasing to $1,123,900 for three units, and reaching $1,396,800 for four units.
Use our FHA calculator to find today's best FHA rates and determine the needed downpayment, as well as income, credit, reserves, and documentation for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms against those of other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects extensive loan data from thousands of lenders and efficiently matches it with your individual financial profile, offering tailored loan comparisons.
The Loan Limits Comparison Table for 2025 in Cambria county of Niagara, NY shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For an in-depth comparison of qualification requirements, such as income, reserves, and credit, utilize 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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