During 2026, the FHA loan limit for East-Rochester county in Monroe, NY is set at $356,362 for a single-family home. For 2-unit homes, it is $456,275; for 3-unit residences, $551,500; and for 4-unit properties, it reaches $685,400.
As for conventional loans, the cap on a single-family residence is $548,250. For homes with two units, the limit is $702,000, for those with three units, it's $848,500, and for four-unit buildings, the maximum is $1,054,500.
Try our FHA calculator to access today’s best FHA rates and to evaluate necessary down payment, income levels, credit score, reserves, and documentation for qualification.
The Lendersa® calculator allows users to compare the rates and terms of FHA loans against those from other lending options. This includes comparing Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA options.
Collecting data from thousands of lenders, Lendersa® matches it quickly with your individual financial profile to offer personalized insights.
The Loan Limits Comparison Table for 2026 in East-Rochester county, within Monroe, NY, showcases the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly assess qualification requirements such as income, reserves, and credit, utilize the 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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