In 2025, within the county of Albany, Cohoes, NY, the FHA loan limits are as follows: $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit buildings, and $907,900 for four-unit homes.
For conventional loans, the cap is $726,200 for a single-family residence. The limits increase to $929,850 for two-unit homes, moving further to $1,123,900 for three-unit structures, and $1,396,800 for buildings with four units.
Our FHA calculator can assist you in finding today's top FHA rates and figuring out the needed downpayment, along with income requirements, credit assessment, reserves, and necessary documents to be eligible.
The Lendersa® calculator offers a thorough comparison of FHA interest rates and terms versus a wide range of other loan options. You can explore and compare choices such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® integrates loan program data from thousands of lenders, performing rapid comparisons tailored to your specific financial profile and circumstances.
The Loan Limits Comparison Table for the year 2025 in Cohoes, located in Albany, NY, gives insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To assess qualification needs including income, reserves, and credit, employ 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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