In 2026, the FHA loan limit in De-Witt county of Onondaga, NY, is $356,362 for a single-family home. It rises to $456,275 for two units, $551,500 for three units, and $685,400 for four units.
The maximum conventional loan amount on a single-family residence is $548,250. For two units, it becomes $702,000; for three units, $848,500; and for four units, $1,054,500.
Use our FHA calculator to access today’s leading FHA rates and determine what downpayment, income, credit, reserves, and documents are necessary for qualification.
The Lendersa® calculator enables comparison of FHA rates and terms against other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money alternatives. Review these options thoroughly alongside FHA.
Lendersa® gathers data from thousands of lenders, matching it efficiently to your financial profile and requirements.
For 2026 in De-Witt county of Onondaga, NY, the Loan Limits Comparison Table provides maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To compare qualification needs such as income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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