During 2026, the FHA loan limit for Fort-Drum county in Jefferson, NY is specified as $356,362 for single-family residences, $456,275 for 2-unit homes, $551,500 for properties with 3 units, and $685,400 for those with 4 units.
Conventional loans cap at $548,250 for single-unit homes, $702,000 for duplexes, $848,500 for triplexes, and $1,054,500 for four-unit buildings.
To find the best FHA rates available today and to calculate the required downpayment, income, credit score, reserves, and necessary documentation for qualification, use our FHA calculator.
With the Lendersa® calculator, you can compare FHA rates and terms against other loan programs. Investigate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® aggregates loan program data from a vast array of lenders and matches it to your specific financial profile and needs within seconds.
The Loan Limits Comparison Table for 2026 in Fort-Drum county of Jefferson, NY provides comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To discern differences in qualification requirements, such as income, reserves, and credit score, 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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