During 2026, the FHA loan limits established in the county of Onondaga, located in Clay, NY, are defined as follows: for a single-family home, the limit is set at $472,030. For properties with 2 units, the cap is $604,400; for those with 3 units, it's $730,525; and for buildings consisting of 4 units, the maximum reaches $907,900.
Regarding conventional loans, the highest allowable amount for a single-family residence is $726,200. For properties that have 2 units, it increases to $929,850. For three units, this limit stands at $1,123,900, and for homes with four units, the maximum permissible amount is $1,396,800.
Utilize our FHA calculator to find today's most competitive FHA rates and determine what is required regarding downpayment, income verification, credit standards, reserves, and documents necessary for qualification.
The Lendersa® calculator provides a comprehensive tool to compare the rates and terms of FHA loans against all other available loan programs. It allows you to explore side-by-side comparisons of FHA with Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans.
Drawing upon data from thousands of lenders, the Lendersa® platform swiftly evaluates and compares this data against your unique financial circumstances and needs.
The Loan Limits Comparison Table for 2026 in Clay county, part of Onondaga, NY, showcases the contrasts between maximum loan amounts available for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To further understand the requirements for qualification, such as income, reserves, and credit, you can rely on 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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