For 2025, the FHA loan limit in Chatham, within Columbia county, NY is $472,030 for a single-family dwelling, $604,400 for two-unit homes, $730,525 for homes with three units, and $907,900 for four-unit properties.
Conventional loans have maximum amounts of $726,200 for single-family residences, $929,850 for dual-unit homes, $1,123,900 for three-unit homes, and $1,396,800 for properties with four units.
Utilize our FHA calculator to find out today's leading FHA rates and assess the required downpayment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator helps you compare the rates and terms of FHA loans with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By accessing data from thousands of lenders, Lendersa® quickly evaluates it in relation to your unique financial profile and needs.
For 2025, the Loan Limits Comparison Table in the county of Columbia, city of Chatham, state of NY, provides a comprehensive comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To review qualification requirements like income, reserves, and credit, use 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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