As of 2026, in the county of Herkimer, NY, the FHA loan limits within German-Flatts are $356,362 for single-family homes, $456,275 for two-unit buildings, $551,500 for three-unit properties, and $685,400 for four-unit residences.
For conventional loans, the maximum amounts available are $548,250 for a single-family house, $702,000 for two-unit homes, $848,500 for structures with three units, and $1,054,500 for homes with four units.
Utilize our FHA calculator to find today's top FHA rates and assess requirements like downpayment, income, credit, reserves, and necessary documentation to qualify.
The Lendersa® calculator helps you compare FHA rates and terms with those of other loan programs. Investigate options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® compiles loan program data from a vast array of lenders and quickly matches it to your specific financial situation and requirements.
View the Loan Limits Comparison Table for 2026 in the German-Flatts county of Herkimer, NY, providing comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan ceilings. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess qualification requirements like income, reserves, and credit.
| 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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