For the year 2025, the FHA loan ceilings in Steuben county situated in NY, which includes Campbell, are structured as follows: for a single-family home, the limit is $472,030; for a two-unit property, it's $604,400; for properties with three units, it is $730,525; and for four-unit dwellings, the limit reaches $907,900. These varying limits accommodate different property sizes to suit your housing needs.
The conventional loan maximums also vary: a single-family residence has a cap of $726,200; for a dual-unit house, the limit is $929,850; for property comprising three units, the limit is $1,123,900; while a four-unit structure has an upper limit of $1,396,800. These limits support diverse property investments.
Leverage our FHA calculator to review today’s FHA optimal rates and to evaluate necessary downpayments, income requirements, credit qualifications, and requisite reserves and documentation needed to gain loan eligibility.
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The Lendersa® calculator equips you to contrast FHA rates and term options with an array of other loan program rates and terms. Beyond FHA, examine choices including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, helping you to identify the most suitable financial solution.
Lendersa® draws comprehensive loan program data from a vast array of lenders, then matches these against your unique financial profile and needs with remarkable speed, enabling you to make informed loan decisions efficiently.
In 2025, view the Loan Limits Comparison Table specific to Steuben county in NY, focusing on Campbell. This table juxtaposes maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money categories. For a deeper dive into qualification standards like income benchmarks, reserve necessities, and credit score requirements, utilize Lendersa®'s Super Loan Integrated Qualifier, known as SLIQ™. These features ensure a comprehensive understanding of your prospective loan options, streamlining your path to securing favorable loan terms.
| 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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