In 2026, the FHA loan limit set for Danby county, part of Tompkins, NY, is $472,030 for a single-family home. For 2-unit homes, the limit is $604,400, it goes up to $730,525 for 3-units, and for properties with 4-units, it reaches $907,900.
The conventional loan maximum for a single-family residence is $726,200. For 2-unit dwellings, it's $929,850, for 3-units, the limit is $1,123,900, and for 4-units, it is $1,396,800.
Take advantage of our FHA calculator to discover today's best FHA rates and find out the required down payment, income level, credit score, reserves, and documents needed to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan programs. You can examine Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® aggregates loan program data from thousands of lenders and quickly compares it to your individual financial profile and needs.
The Loan Limits Comparison Table for 2026 in Danby county, within Tompkins, NY, lets you compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. 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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