In the year 2026, the FHA loan limit for a single-family home in Irondequoit county of Monroe, NY is set at $472,030. For 2-unit properties, the limit is $604,400, for 3-units, it's $730,525, and for 4-units, the cap is $907,900.
When it comes to conventional loans, the maximum available for a single-family home is $726,200, while for two units, it's $929,850. For three-unit residences, the limit rises to $1,123,900, and for four-unit homes, it reaches $1,396,800.
Try using our FHA calculator to discover today’s top FHA rates and to ascertain your downpayment, necessary income, credit score, reserves, and documentation required for eligibility.
Utilize the Lendersa® calculator to weigh FHA rates and terms against other loan programs. Dive into comparisons between Conventional loans, Jumbo packages, VA, USDA loans, Non-Qm options, and hard money loans with FHA offerings.
Lendersa® efficiently compiles loan program data from thousands of lenders and aligns it with your specific financial profile and requirements in mere seconds.
For 2026 in Irondequoit county of Monroe, NY, our Loan Limits Comparison Table lets you contrast FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan upper thresholds. To evaluate qualifying needs, such as income, reserves, and credit, employ 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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