In 2026, the FHA loan limit for a single-family home in Eden county, Erie, NY is $472,030. For two units, the limit is $604,400, for three units, it's set at $730,525, and for properties with four units, it's $907,900.
Conventional loan caps for a single-family residence reach $726,200. For homes with two units, it rises to $929,850, $1,123,900 for three units, and peaks at $1,396,800 for four-unit buildings.
Our FHA calculator can help you find today's optimal FHA interest rates, evaluating necessary downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare the rates and conditions of FHA loans with those of other loan programs. This includes Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly pulls data from many lenders, aligning it with your financial profile and specific needs in mere seconds.
For 2026, the Loan Limits Comparison Table in Eden county of Erie, NY illustrates maximum loan amounts for 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 qualifications such as income, reserves, and credit requirements.
| 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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