In 2026, the FHA loan limits in Galen county of Wayne, NY, are as follows: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four-unit structures.
The conventional loan maximums for a single-family residence are $726,200. For two-unit properties, it's $929,850, for three units it's $1,123,900, and for four units, the cap is $1,396,800.
Use our FHA calculator to check today’s best FHA rates and determine the needed downpayment, income levels, credit score, reserves, and documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms against those from other loan programs. Evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® pulls data from thousands of lenders, rapidly aligning it against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Galen county of Wayne, NY offers a detailed comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification parameters such as income, reserves, and credit, utilize 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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