For 2025, the FHA loan limit in the county of Onondaga, located within Fayetteville, NY, is set at $472,030 for single-family homes. For those with two units, it is $604,400; housing with three units is capped at $730,525; and for buildings with four units, the limit is $907,900.
On the other hand, the cap for conventional loan amounts starts at $726,200 for single-family homes. The maximum extends to $929,850 for two-unit homes, reaches $1,123,900 if three units are involved, and finally, for four-unit homes, the highest is $1,396,800.
Utilize our FHA calculator to find the best available FHA rates today. Furthermore, you can evaluate the needed downpayment, income requirements, credit, reserve conditions, and documentation necessary to meet the qualification criteria.
The Lendersa® calculator assists in comparing FHA rates and terms with other loan programs. Delve into and compare an array of options including Conventional loans, Jumbo loans, VA, USDA, Non-QM loans, and hard money financing, all against the FHA offerings.
Lendersa® aggregates extensive data from numerous lenders, rapidly aligning loan programs with your exclusive financial profile and requirements.
In 2025, the Loan Limits Comparison Table for Fayetteville county, situated in Onondaga, NY, facilitates a detailed review of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To ascertain qualification standards involving income, reserves, and credit, make use of Lendersa®'s 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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