For the year 2026, the FHA loan limits in Columbia county, located within Ghent, NY, are established at $472,030 for single-family homes. If you're considering a duplex, the limit is $604,400. Transitioning to triplex properties, you'll find a cap of $730,525, and for four-unit homes, the threshold is set at $907,900.
When it comes to conventional loans, the upper limit for a single-family residence is $726,200. This figure rises to $929,850 for two-unit properties. For those purchasing a triplex, the maximum is $1,123,900, while a four-unit establishment has a limit of $1,396,800.
Our FHA calculator is designed to assist you in finding the most favorable FHA rates today. It also helps you figure out necessary components for qualification such as downpayment, required income, credit scores, reserves, and needed documentation.
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The Loan Limits Comparison Table for 2026 in Ghent county of Columbia, NY provides a detailed comparison of the maximum loan amounts across various types including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed comparison of loan qualification requirements such as income, reserve needs, and credit criteria, you can utilize 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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