In 2026, the FHA loan limit for Hancock county, Delaware, NY, stands at $472,030 for a single-family home. For two-unit residences, it is $604,400, for properties with three units, the max is $730,525, and for four units, the limit reaches $907,900.
Conventional loan limits for a single-family home are capped at $726,200. Homes with two units have a maximum loan amount of $929,850, while three-unit homes are limited to $1,123,900, and properties with four units can go up to $1,396,800.
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The Lendersa® calculator helps compare FHA rates and terms with a variety of loan programs. Examine options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA.
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The Loan Limits Comparison Table for 2026 in Hancock county, Delaware, NY provides a comparison of max loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. For an evaluation of requirements related to 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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