In 2026, the FHA loan limits for Carmel county, Putnam, NY are: $1,089,300 for a single-family home; $1,394,775 for two units; $1,685,850 for three units; and $2,095,200 for four units.
The cap for conventional loans on a single-family home is $1,089,300. For two-unit homes, the limit is $1,394,775, for three units, $1,685,850, and for four-unit homes, $2,095,200.
Our FHA calculator can assist you in finding today's top FHA rates and helps with determining key qualifications like downpayment and credit requirements.
The Lendersa® calculator allows for comparison of FHA rates and terms with other loans, such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® provides quick access to data from numerous lenders, comparing it swiftly to fit your individual financial profile.
In 2026, review the Loan Limits Chart for Carmel county, Putnam, NY for the maximum amounts for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage, and Hard Money. Use Lendersa®'s Super Loan Integrated Qualifier (SLIQ™) to assess necessary qualifications like income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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