In 2026, the FHA loan limits for Clayton county of Jefferson, NY are $472,030 for single-family homes, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit properties.
The maximum amount for conventional loans is $726,200 for single-family homes, increasing to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to check today’s FHA rates and determine the necessary downpayment, income, credit, reserves, and documentation required for qualification.
The Lendersa® calculator helps you compare FHA rates and terms with other loan offerings like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
With access to data from thousands of lenders, Lendersa® quickly aligns it with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Clayton county of Jefferson, NY details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand qualification essentials such as income, reserves, and credit, utilize 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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