During 2026, the FHA loan limit in Steuben county of Erwin, NY is set at $472,030 for a single-family home. For properties with two units, it is $604,400, for those with three units, it is $730,525, and for four-unit homes, the cap is $907,900.
The highest conventional loan permissible for a single-family residence is $726,200. It goes up to $929,850 for 2-units, $1,123,900 for 3-units, and reaches $1,396,800 for 4-units.
Utilize our FHA calculator to view today’s prime FHA rates and calculate the necessary down payment, income, credit, reserves, and documents needed for loan qualification.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with various other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
By gathering loan data from thousands of lenders, Lendersa® quickly aligns this information with your unique financial profile and needs.
For 2026 in Erwin, Steuben, NY, the Loan Limits Comparison Table is your guide to evaluating the maximum loan amounts of 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 eligibility requirements like income, reserves, and credit.
| 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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