As of 2026, the FHA loan limit in Cobleskill county of Schoharie, NY is set at $472,030 for single-family homes. For two-unit properties, the cap is $604,400, it rises to $730,525 for three-unit buildings, and extends to $907,900 for four-unit residences.
For conventional loans, the maximum loan amounts are $726,200 on a single-family house, $929,850 for two-unit homes, $1,123,900 for tri-unit dwellings, and $1,396,800 for quadruplexes.
Use our FHA calculator to find the current best FHA rates today, and understand the needed down payment, income, credit, reserves, and documentation required for qualification.
The Lendersa® calculator allows comparisons of FHA rates and terms with those from other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By compiling data from thousands of lenders, Lendersa® can swiftly compare it to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cobleskill county of Schoharie, NY presents maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualifications like income, reserves, and credit score requirements.
| 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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