For 2026, the FHA loan limits in East-Syracuse, located in Onondaga, NY, are set at $356,362 for single-family homes. Properties with two units have a limit of $456,275; for three units, the cap is $551,500; and for four-unit buildings, the maximum allowable is $685,400. These varied limits ensure that different types of housing needs are adequately supported, providing options for a range of residential sizes.
Conversely, the top amounts for conventional loans are $548,250 for single-family homes. Two-unit properties can access up to $702,000, while three-unit homes see a ceiling of $848,500. For buildings with four units, the maximum reaches $1,054,500. These limits are designed to fit a variety of housing configurations, enabling more homeowners to secure suitable financing.
To find the top FHA rates today while understanding the downpayment, income, credit, and reserve requirements, use our FHA calculator. This tool also provides insights on the necessary documents for qualification, helping you to adequately prepare for the application process by ensuring readiness across all financial dimensions.
The Lendersa® calculator enables detailed comparisons of FHA rates and terms with those of other loans, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This thorough evaluation highlights the variety of finance products, allowing borrowers to identify which best align with their objectives.
Lendersa® aggregates loan data from thousands of lenders, swiftly matching this information to fit your specific financial profile and requirements, aiding your decision-making process.
View the Loan Limits Comparison Table for 2026 in East-Syracuse, county of Onondaga, NY. This table details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To understand qualification criteria such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™), a tool designed to streamline the evaluation of financial eligibility.
| 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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