In 2026, the FHA loan limit for Herkimer county of Herkimer, NY is $472,030 for a single-family home. For 2-units, it's $604,400, followed by $730,525 for 3-units, and $907,900 for 4-units.
The conventional loan maximum in a single-family residence is $726,200, reaching $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Use our FHA calculator to find today's optimal FHA rates and see the needed downpayment, income, credit, reserves, and documents for qualification.
With the Lendersa® calculator, compare FHA rates and terms with those from other loan programs. Examine options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® sources loan program data from thousands of lenders and quickly matches it to your unique financial profile and needs.
For 2026 in Herkimer county, Herkimer, NY, the Loan Limits Comparison Table showcases maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualifications such as income, reserves, and credit, utilize 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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