In 2026, the FHA loan limits within Holland county, located in Erie, NY, are structured as follows: $472,030 for single-family homes, $604,400 for 2-unit properties, $730,525 for 3-unit homes, and $907,900 for 4-unit buildings.
For conventional loans, the maximum amount for a single-family residence is $726,200. This number changes to $929,850 for 2-unit setups, $1,123,900 for 3-units, and $1,396,800 when the property includes 4-units.
Utilize our FHA calculator to gain insights into today's best FHA rates and find out about the required down payment, income, credit score, reserves, and documentation needed for qualification.
With the Lendersa® calculator, you can effectively compare FHA loan rates and terms along with those from other loan programs. Look into Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans to see how they stack up against FHA options.
Lendersa® assembles loan program data from thousands of lenders and evaluates it against your unique financial profile quickly and efficiently.
The Loan Limits Comparison Table for 2026 in Holland county, Erie, NY, lets you contrast FHA with other loans including Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and Reverse Mortgage (HECM), as well as hard money loans. For assessing qualification requirements like income, reserves, and credit, use 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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