For 2026, within Cortlandt county, located in Westchester, NY, the FHA loan limits are as follows: $1,089,300 for a single-family dwelling, $1,394,775 for two-unit structures, $1,685,850 for properties with three units, and $2,095,200 for four-unit complexes.
As for conventional loans, the maximum allowable loan for a single-family home is $1,089,300. For two-unit residences, the cap is set at $1,394,775, while for three-unit buildings, this increases to $1,685,850. For four-unit properties, the limit reaches $2,095,200.
By using our FHA calculator today, you can discover the current best rates available for FHA loans. It will aid you in determining what downpayment is necessary, the income level required, credit scores needed, reserves to have on hand, and the documents required for approval.
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The sophisticated Lendersa® calculator allows for a comprehensive comparison of FHA loan rates and terms with those offered by other programs. Dive into a detailed exploration of various types such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, all evaluated against FHA offerings.
Lendersa® sources an extensive range of loan data from thousands of lenders nationwide, delivering a well-rounded comparison of programs uniquely tailored to align with your individual financial situations and distinct needs.
For the current year, 2026, within Cortlandt county in Westchester, NY, our detailed Loan Limits Comparison Table provides a comprehensive comparison of limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly analyze qualification necessities, such as income, reserves, and credit requirements, employ the advanced Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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