In 2026, the FHA loan limits for Ithaca, situated in the county of Tompkins, NY, are $472,030 for a single-family home, $604,400 for two-unit homes, $730,525 for three-unit properties, and $907,900 for four-unit buildings.
The maximum conventional loan amounts for a single-family residence are $726,200, with $929,850 for two units, $1,123,900 for three units, and $1,396,800 for residences with four units.
Utilize our FHA calculator to explore today’s leading FHA rates, determining the required downpayment, income, credit needs, reserves, and the necessary documents to qualify.
The Lendersa® calculator enables you to compare FHA rates and terms with other loan programs such as conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® collects comprehensive data from thousands of lenders, allowing quick comparisons against your specific financial profile and needs.
In 2026, the Loan Limits Comparison Table in Ithaca, within Tompkins, NY, provides insight into maximum loan amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgages (HECM), and hard money options. To examine qualification details 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 |
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
