In the year 2026, the FHA loan limits in Gaines, located in Orleans, NY, are $472,030 for a single-family home. For a two-unit residence, the limit is $604,400, for three units, it is $730,525, and for four-unit buildings, the maximum is $907,900.
Looking at conventional loans, the highest amount for a single-family property is $726,200. Two-unit properties can borrow up to $929,850, three-unit homes up to $1,123,900, and for four-unit properties, the cap is $1,396,800.
Utilize our FHA calculator to explore today’s best FHA rates and establish the needed downpayment, income, credit score, reserves, and supporting documents for qualification.
With the Lendersa® calculator, you can assess and contrast FHA rates and terms with those of other popular loan programs. Look into choices such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA options.
Lendersa® aggregates loan program data from a wide array of lenders, comparing it promptly with your specific financial needs and conditions.
The Loan Limits Comparison Table for 2026 in Gaines within Orleans, NY, allows you to evaluate the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a thorough comparison of the qualifications such as income, reserves, and credit, use 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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