In 2026, FHA loan limits for Cortland county in Cortland, NY are $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum conventional loan amount for a single-family residence is $726,200. For two units, it is $929,850; for three units, $1,123,900; and for four units, $1,396,800.
Use our FHA calculator to see today’s competitive FHA rates and determine necessary qualifications like downpayment, income, credit, reserves, and documents.
The Lendersa® calculator helps you to compare FHA rates and terms with other loan types, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® rapidly aligns loan data from thousands of lenders with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Cortland county, Cortland, NY, offers a comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements such as income, reserves, and credit.
| 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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