For the year 2026, the FHA loan limits in Copake county, located within Columbia, NY, are as follows: A single-family home can have a limit of $472,030, while 2-unit homes are limited to $604,400. Meanwhile, limits for 3-units and 4-units are $730,525 and $907,900, respectively.
Conventional loans have different maximum amounts: the limit is $726,200 for single-family residences, moving up to $929,850 for duplexes. Triplex properties have a cap of $1,123,900, and the threshold for four-unit buildings is $1,396,800.
Try our FHA calculator to discover the best FHA rates available today and find out what down payment, income, credit score, reserves, and paperwork are necessary to qualify.
Our Lendersa® calculator allows you to compare FHA loan rates and terms with various other loan programs. Explore an array of options including Conventional loans, Jumbo packages, and VA plans, along with USDA and Non-QM alternatives, among others, even including hard money loans.
The Lendersa® system collects comprehensive loan program data from a vast network of lenders and quickly evaluates it against your financial profile and specific requirements.
The Loan Limits Comparison Table for 2026 in Copake county, within Columbia, NY, lets you look at FHA loans alongside Conventional Conforming, Jumbo, USDA, VA, Non-QM, and Super Jumbo options, as well as Reverse Mortgages (HECM) and hard money loans. For detailed comparison of qualifications like income, credit, and reserves, utilize 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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