In the year 2026, the FHA loan limit within Elma-Center county of Erie, NY, is set at $356,362 for a single-family residence. For 2-units, it rises to $456,275, increasing further to $551,500 for 3-unit homes, and reaching $685,400 for 4-unit properties.
The top amount for conventional loans on a single-family residence is $548,250. For duplexes, the cap is $702,000, moving up to $848,500 for triplexes, and reaching $1,054,500 for four-unit homes.
Utilize our FHA calculator to access today’s top FHA rates and assess the necessary down payment, income, credit score, reserves, and required documents for qualification.
With the Lendersa® calculator, you can examine and contrast FHA rates and terms alongside those of other loan programs. Review options like Conventional loans, Jumbo packages, VA, USDA, Non-QM, and hard money loans along with FHA offerings.
Lendersa® gathers comprehensive loan program data from thousands of lenders, promptly evaluating it against your distinct financial profile and needs.
The Loan Limits Comparison Table for 2026 in Elma-Center county, part of Erie, NY, helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM), as well as hard money maximum loan amounts. For detailed comparison of qualification needs such as income, reserves, and credit, employ 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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