For 2025, in the county of Albany, NY, the FHA loan limits for Guilderland 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 units.
Conventional loan limits for a single-family home are capped at $726,200. For duplexes, it is $929,850, for triplexes, $1,123,900, and for four-unit residences, $1,396,800.
Utilize our FHA calculator to uncover today's best FHA rates and to identify essential qualifications like the downpayment, income, credit, reserves, and necessary documentation.
With the Lendersa® calculator, you can compare FHA rates and terms against other loan types like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans, giving you a comprehensive comparison.
Lendersa® collects loan data from many lenders, allowing swift comparison with your specific financial profile.
For 2025, the Loan Limits Comparison Table for Guilderland, Albany, NY allows you to compare loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. For qualification criteria such as income, reserves, and credit checks, use 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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