As of 2026, the FHA loan limits for Canajoharie in Montgomery county, NY are set as follows: $472,030 for a single-family house, $604,400 for two-unit homes, $730,525 for three-unit residences, and $907,900 for properties with four units.
The maximum lending amount available for conventional loans on a single-family dwelling is $726,200. For two-unit homes, it is $929,850; for three units, it stands at $1,123,900; and for four units, the limit expands to $1,396,800.
Utilize our FHA calculator to examine today’s top FHA rates and assess requisite downpayment, income, credit, reserves, and needed documentation to qualify for a loan.
The Lendersa® calculator facilitates comparison of FHA loan terms with those from all other loan programs. Delve into various options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA alternatives.
Lendersa® efficiently captures loan program data from numerous lenders, providing quick analysis against your distinct financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Canajoharie, within Montgomery county, NY, provides a detailed breakdown of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly compare qualification criteria including income, reserves, and credit standards, make use of 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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