For 2026, the FHA loan limit set in Ellisburg county, a part of Jefferson, NY, is detailed as follows: $472,030 is the limit for a single-family home. For 2-unit properties, it increases to $604,400, and for 3-units, it's $730,525. The limit for 4-units reaches $907,900.
The maximum amount allowed for conventional loans on a single-family residence is $726,200. For duplexes, this amount is $929,850, for triplexes, $1,123,900, and for four-unit homes, it's $1,396,800.
Use our FHA calculator to discover today's best FHA rates and find out what downpayment, income requirements, credit, reserves, and documentation are necessary to qualify.
The Lendersa® calculator allows for an effective comparison between FHA rates and terms and those of various other loan programs. Analyze and compare choices like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and even hard money loans along with FHA options.
Lendersa® retrieves comprehensive loan program data from a large number of lenders and promptly evaluates it against your distinct financial profile and needs.
For the 2026 Loan Limits Comparison Table in Ellisburg county within Jefferson, NY, you can compare the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM), as well as hard money loans. To compare specific qualification requirements such as income levels, reserves, and credit scores, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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