In the year 2026, the FHA loan limits applicable to Hounsfield county within Jefferson, NY, are listed as follows: for single-family homes, the limit is set at $472,030. If the property consists of 2-units, the limit is $604,400, while for 3-unit buildings, it is $730,525. A 4-unit structure will have a cap of $907,900.
With conventional loans, the ceiling for a single-family residence is $726,200. For properties with two units, the limit increases to $929,850, rising further to $1,123,900 for 3-units, and reaching $1,396,800 for a 4-unit property.
Our FHA calculator is an effective tool for discovering the optimal FHA rates available today. It helps you figure out the required down payment, income threshold, credit score, reserve amount, and necessary documentation for qualification.
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The Lendersa® calculator is designed to facilitate comparisons of FHA loan rates and conditions with those of other loan schemes. You can explore a wide array of choices, such as Conventional loans, VA options, Jumbo programs, USDA loans, Non-QM products, and also hard money loans, directly compared to FHA terms.
Using data collected from an extensive network of thousands of lenders, Lendersa® provides instantaneous comparisons right against your specific financial circumstances and requirements.
The Loan Limits Comparison Table is available for 2026 in Hounsfield county, an integral part of Jefferson, NY. This table enables a straightforward comparison of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To delve deeper into eligibility criteria like income levels, available reserves, and credit scores, the Lendersa® Super Loan Integrated Qualifier (SLIQ™) is an invaluable resource.
| 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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