As of 2026, the FHA loan limits in Hartsdale county in Westchester, NY, are set at $1,089,300 for single-family properties, $1,394,775 for duplexes, $1,685,850 for triplexes, and $2,095,200 for four-unit homes.
The maximum allowable loan for conventional loans on a single-family home stands at $1,089,300, increasing to $1,394,775 for a two-unit home, $1,685,850 for a three-unit home, and $2,095,200 for four units.
Our FHA calculator can assist in finding today’s top FHA rates and in calculating the downpayment, income, credit score, reserves, and documentation required for eligibility.
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With the Lendersa® calculator, you have the ability to contrast FHA loan terms and rates with those of other financing options. Examine and compare various loans including conventional, jumbo, VA, USDA, non-QM, and hard money alongside FHA options.
By utilizing data gathered from thousands of lenders, Lendersa® offers rapid comparisons that fit your unique financial circumstances and needs.
The Loan Limits Comparison Table for 2026 in Hartsdale county of Westchester, NY, provides a comprehensive side-by-side of the maximum loan sums for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. To evaluate qualifications such as income, reserves, and credit criteria, turn to Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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