In 2025, the FHA loan limits for Floyd in Oneida county, NY, are set at $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for three units, and $907,900 for four-unit structures.
Regarding conventional loans on a single-family residence, the maximum amount is $726,200. For properties with two units, it's $929,850, for those with three units it's $1,123,900, and for four units, the cap is $1,396,800.
Use our FHA calculator to discover today's optimal FHA rates and assess what downpayment, income level, credit standing, reserves, and documentation are necessary for qualification.
With the Lendersa® calculator, you can efficiently compare FHA rates and terms with those from various loan programs. Delve into and evaluate Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® compiles data from thousands of lenders, instantly aligning it with your unique financial profile and needs to provide immediate comparisons.
The Loan Limits Comparison Table for 2025 in Floyd, within Oneida, NY, provides insights into the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification criteria like income, reserves, and credit, employ 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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