In 2026, the FHA loan cap in Fort-Plain, Montgomery, NY is $356,362 for a one-family dwelling, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
Conventional loan maximums for single-family homes peak at $548,250, for duplexes it's $702,000, $848,500 for triplexes, and $1,054,500 for fourplexes.
Utilize our FHA calculator to uncover today’s top FHA rates and figure out the required downpayment, income, credit score, reserves, and documentation needed for qualification.
The Lendersa® tool lets you compare FHA rates and conditions with all other loan programs' terms, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® sources loan data from thousands of lenders, quickly aligning it with your individual financial profile and requirements.
Check the Loan Limits Comparison Table for 2026 in Fort-Plain county, Montgomery, NY, giving a side-by-side look at FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM) and hard money loan limits. For more detailed qualification requirements, including income, reserves, and credit, use 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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