During 2026, the FHA loan limit for the area of Groton county, Tompkins in NY is set at $472,030 for a single-family home. For properties with two units, the limit increases to $604,400, for three-unit homes, it is $730,525, and for four-unit dwellings, the cap is $907,900.
As for conventional loans, the maximum allowed amount for a single-family residence is $726,200. This goes up to $929,850 for two-unit homes, $1,123,900 for three-unit properties, and $1,396,800 when four units are involved.
Our FHA calculator is a useful tool for viewing today's advantageous FHA rates, and it can help you calculate the ideal downpayment and evaluate what income, credit rating, reserves, and documentation are needed to qualify.
With Lendersa®, you can transparently compare FHA rates and terms against those of other loan programs. Dive into comparing Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® specializes in gathering extensive data from thousands of lenders and swiftly aligning it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 within Groton, Tompkins, NY allows for evaluation of maximum loan figures across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review requirements like income, reserves, and credit, employ 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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