For the year 2025, in the county of Chemung, Horseheads, NY, the FHA lending limit is set at $472,030 for single-family homes. For two-unit properties, it's $604,400, while three-unit homes have a limit of $730,525, and four-unit homes are capped at $907,900.
Conventional loans have the following maximums: $726,200 for single-family dwellings, $929,850 for duplexes, $1,123,900 for three-unit properties, and $1,396,800 for quad-plexes.
Employ our FHA calculator to discover today's most favorable FHA rates, and ascertain the necessary downpayment, income, credit, reserves, and documentation for qualification requirements.
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With the Lendersa® calculator, you can compare FHA rates and terms alongside those of alternative loan products. Look into conventional loans, jumbo loans, VA, USDA, non-QM, and hard money loans, all compared against FHA options.
Lendersa® swiftly collates loan program details from numerous lenders, providing a comprehensive comparison that aligns with your specific financial circumstances and requirements.
Within 2025, examine the Loan Limits Comparison Table for Horseheads county, Chemung, NY. It covers maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money categories. To assess eligibility criteria 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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