In 2026, the FHA loan limits for Hamburg, in the county of Erie, NY, are set at $472,030 for a single-family home, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for properties with four units.
The maximum amount applicable to conventional loans for a single-family residence is $726,200, moving up to $929,850 for two-unit homes, $1,123,900 for three-unit structures, and $1,396,800 for four-unit buildings.
Leverage our FHA calculator to find today's leading FHA rates and understand the required downpayment, income standards, credit criteria, reserves, and documentation necessary for qualification.
The Lendersa® calculator enables you to compare FHA rates and terms with other loan programs such as conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® effectively compiles comprehensive loan data from thousands of lenders, enabling rapid comparisons tailored to suit your unique financial profile.
The Loan Limits Comparison Table for 2026 in Hamburg, within Erie, NY, provides a comprehensive look at maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. For analyzing qualifications such as income, reserves, and credit, use 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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