2025 FHA (Government Loans) Limits for Hamilton, Madison County, New York

For the year 2025, in Hamilton county of Madison, NY, the FHA loan limit is established at $472,030 for single-family homes, while for two-unit residences it is $604,400, for three-unit properties it's $730,525, and four-unit homes have a limit of $907,900.

For conventional loans, the maximum for a single-family residence is $726,200. For two-unit dwellings, the limit is $929,850, $1,123,900 applies to three-unit homes, and for four units, it's $1,396,800.

Use our FHA calculator to discover the best FHA rates available today and check the necessary down payment, income, credit score, reserves, and documentation required to qualify.

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Explore Your Loan Opportunities in Hamilton, NY

The Lendersa® calculator helps you compare FHA rates and terms alongside those from various loan programs. Evaluate options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money alongside FHA loans.

Lendersa® gathers loan program data from thousands of lenders, providing a rapid comparison against your unique financial needs and profile.

See the Loan Limits Comparison Table for 2025 in Hamilton, Madison, NY, covering FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To assess qualification needs such as income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).

Loan limits Hamilton county of Madison, NY

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


  • GPO Federal Credit Union
  • 4311 Middle Settlement Road, New Hartford, NY, 13413
  • GPO Federal Credit Union is proud to be one of the area’s largest credit unions, serving more than 30, 000 members from Oneida, Herkimer, Madison Counties and beyond. As a credit union, we are a not-for-profit, member-owned financial cooperative. At GPO, our mission statement is simple, ‘Our Focus is You’. We aim to serve our members.
  • First Source Federal Credit Union
  • 4451 Commercial Drive, New Hartford, NY, 13413
  • First Source Federal Credit Union is dedicated to helping people Live Smarter, offering financial services and education to improve the quality of life of their Members and the communities they serve. Founded in 1938, First Source is a not-for-profit, Member-owned financial cooperative with branches in New Hartford, North Utica, South Utica, Rome,
  • Adirondack Bank
  • 185 Genesee Street, Utica, NY, 13501
  • Adirondack Bank, we value putting a face to a name. That’s why for over a century we’ve personally dedicated ourselves to delivering trusted, full-service community banking to the families and businesses of Upstate New York. Adirondack Bank consistently provides cutting edge banking, standing as an eight-time recipient of the Small Business Lender
  • AmeriCU Credit Union
  • 1916 Black River Blvd N, Rome, NY, 13440
  • AmeriCU is a not-for-profit credit union owned by members like you. We offer the same products and services as a bank (plus insurance and financial planning) – but with low or no fees, and better rates. Founded in 1950, today AmeriCU has grown to more than 127, 000 members and more than $1.5 billion in assets.
  • Countryside Federal Credit Union
  • 5720 Commons Park Drive, East Syracuse, NY, 13057
  • Countryside Federal Credit Union has been open since 1941. The credit union has assets totaling $164.5 Million and provides banking services to more than 5, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • Cooperative Federal Mortgages
  • 723 Westcott St, Syracuse, NY, 13210
  • Cooperative Federal is a unique combination of a traditional credit union and a non-profit community development organization. Becoming a member of Cooperative Federal is making a choice to build our local community and to advance social justice. and Cooperative Federal is deeply involved in efforts to revitalize our community.
  • Money Federal Credit Union
  • 100 Madison Street, Syracuse, NY, 13202
  • Mutual of New York Life Insurance Company (MONY) employees founded Money Federal Credit Union in 1976. Credit unions were built on the philosophy of “people helping people.” Money FCU takes that mission statement to the core of how we run our business. It’s about people, community, and sharing resources
  • Syracuse Fire Department Credit Union
  • 211 Wilkinson Street, Syracuse, NY, 13204
  • The Syracuse Fire Department Credit Union was chartered on March 24, 1950. Since that day, we have proudly served professional firefighters in Syracuse and surrounding communities. Today, our membership primarily consists of profesional firefighters, police officers, emergency responders and other small businesses from around Central New York.
  • Paragon Home Loans, Inc
  • 225 Greenfield Parkway, Suite, Suite 207, Liverpool, NY, 13088
  • Paragon Home Loans, Inc. is a licensed mortgage banker by the New York State Department of Financial Services. Founded in 1976, Paragon Home Loans focuses exclusively on the residential mortgage needs of its customers. We have eight convenient locations in Syracuse, Buffalo, Plattsburgh, Binghamton, Utica, Lake Placid, Cortland and Corning.