During the year 2026, the FHA loan limits for the area of Colonie in Albany county, NY are as follows: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
Conventional loans for a single-family residence have a maximum limit of $726,200. For properties with two units, the cap is $929,850, while for three units, it is $1,123,900, and for four units, the limit goes up to $1,396,800.
Utilize our FHA calculator to find the best FHA rates of the day and calculate the necessary downpayment, income levels, credit score, reserve requirements, and documentation needed for qualifying.
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The Lendersa® calculator allows you to compare rates and terms offered by FHA against a variety of other loan programs. With it, you can explore options between Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money loans all alongside FHA.
Lendersa® quickly gathers loan data from a vast pool of lenders and matches it against your specific financial circumstances and needs to offer the most suitable options.
For 2026, in Colonie located in Albany county, NY, check the comparison table to view the maximum loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria like income, credit, and reserve requirements, make use of 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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