For 2025, the FHA loan limit in the Cold-Spring county of Putnam, NY is $822,375 for a single-family home. For properties with two units, the limit is $1,053,000, for those with three units, it is $1,272,750, and for four-unit residences, the maximum is $1,581,750.
Regarding conventional loans, the cap for a single-family home is $822,375. Properties with two units can borrow up to $1,053,000, those with three units have a limit of $1,272,750, and the maximum for four units is $1,581,750.
Utilize our FHA calculator to uncover today's top FHA rates and evaluate the necessary downpayment, income, credit requirements, reserves, and documentation needed for eligibility.
With the Lendersa® calculator, compare the rates and terms of FHA loans to those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA loans.
Lendersa® gathers extensive loan program data from thousands of lenders and promptly assesses it against your particular financial profile and needs to find the best matches for you.
The Loan Limits Comparison Table for 2025 in Cold-Spring, within the county of Putnam, NY, allows an assessment of maximum loan limits across various programs. These include FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to explore qualification requirements such as income, credit, and reserve specifications.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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