In 2026, the FHA loan limit for Colden county in Erie, NY stands at $472,030 for a single-family home. It increases to $604,400 for properties with two units, $730,525 for three-unit buildings, and peaks at $907,900 for four-unit properties.
The maximum financing amount for conventional loans on a single-family residence is $726,200. For 2-unit houses, it is $929,850, while for 3-units, it reaches $1,123,900, and for four units, it caps at $1,396,800.
Utilize our FHA calculator to access today's top FHA rates and ascertain the needed down payment, required income, credit score, reserves, and the necessary documentation to qualify.
The Lendersa® calculator allows you to juxtapose FHA rates and terms against those offered by other loan programs. You can explore options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, in addition to FHA loans.
Lendersa® aggregates loan program data from a vast network of lenders and promptly evaluates it against your unique financial profile and requirements.
Our Loan Limits Comparison Table for 2026 in Colden county, part of Erie, NY, puts FHA alongside Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM), as well as hard money lending limits. To compare qualification criteria such as income, reserves, and credit, utilize 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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