In 2026, the FHA loan limit for a single-family home in Chautauqua county of Ellicott, NY is $472,030. For homes with two units, the limit is $604,400; for three-unit dwellings, it's $730,525; and for four-unit properties, the maximum amount is $907,900.
The cap on conventional loan amounts for a single-family residence reaches $726,200. This extends to $929,850 for homes with two units, $1,123,900 for three units, and $1,396,800 for those with four units.
Our FHA calculator helps you identify today's best FHA rates, calculating necessary down payments, and understanding qualifications such as income, credit requirements, reserves, and essential documents.
The Lendersa® calculator is a tool for comparing FHA loan rates and terms with those of other loan programs. These include Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans. Dive into the details to fully explore your loan possibilities.
Pulling data from a vast array of lenders, Lendersa® performs comparisons rapidly, aligning them with your distinctive financial profile and unique requirements.
The Loan Limits Comparison Table, pertinent for the year 2026 in Ellicott and Chautauqua, NY, allows you to compare the maximum 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 evaluate specific qualification criteria like income, reserves, and credit ratings.
| 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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