In 2025, for Gouverneur county in St. Lawrence, NY, the FHA loan limits are: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The highest loan amount for conventional loans on a single-family residence is $726,200, rising to $929,850 for two-unit homes, $1,123,900 for properties with three units, and $1,396,800 for four units.
Use our FHA calculator to discover today’s best FHA rates and to calculate the downpayment, income, credit requirements, reserves, and documents necessary to qualify.
The Lendersa® calculator lets you compare FHA rates and terms alongside other loan programs. Explore and evaluate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans with FHA.
Lendersa® retrieves loan program data from thousands of lenders and quickly matches it with your unique financial profile and needs.
For 2025, the Loan Limits Comparison Table for Gouverneur county in St. Lawrence, NY, provides a comparison across maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess requirements such as income, reserves, and credit, 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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