In the current year, 2026, the FHA loan limits in Caroline county, which is part of Tompkins, NY, have been identified as follows: $472,030 applies to single-family homes. For properties with two units, the limit is $604,400; for three units, it climbs to $730,525, and for those with four units, it extends to $907,900.
When it comes to conventional loans, the highest amount available for a single-family house is $726,200. This figure increases to $929,850 for homes with two units, $1,123,900 for three-unit properties, and, for locations with four units, the amount reaches $1,396,800.
Make use of our FHA calculator to discover the most favorable FHA rates available today, and to identify what down payments, income levels, credit scores, reserves, and documentation are necessary to qualify.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. Delve into options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans for a comprehensive look alongside FHA.
By gathering extensive loan program data from thousands of lenders, Lendersa® quickly matches it to your specific financial profile, ensuring your requirements are met efficiently.
The Loan Limits Comparison Table for 2026 in Caroline county, located in Tompkins, NY, provides comparisons of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, as well as Reverse Mortgage (HECM) and hard money loan limits. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for an in-depth examination of qualification criteria such as income, reserves, and credit.
| 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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