For the year 2025, the FHA loan caps in Jefferson county, located in NY, specifically affecting the area of Carthage are as follows: $472,030 for single-family homes, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit properties.
In terms of conventional loans, the limit for a single-family residence stands at $726,200, with duplexes capped at $929,850, triplexes at $1,123,900, and four-unit properties at $1,396,800.
Utilize our FHA calculator to evaluate today’s best FHA rates, including required down payments, necessary income levels, credit assessments, reserves, and documents needed for qualification.
The Lendersa® calculator is your tool for comparing FHA rates and terms with those of numerous other loan programs. Compare conventional loans, jumbo loans, VA, USDA, Non-QM, and hard money loans directly alongside FHA offerings.
Lendersa® swiftly cross-references current loan program data from thousands of lenders with your specific financial situation and preferences.
This table provides a comparison of loan limits for 2025 within Jefferson county, NY, centered in Carthage. It details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To compare criteria such as income, reserves, and credit requirements, try Lendersa® SLIQ™ (Super Loan Integrated Qualifier).
| 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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