In 2025, the FHA loan limits in Johnson-City, Broome county, NY, are $356,362 for single-family homes, increasing to $456,275 for two-units, $551,500 for three-units, and finally $685,400 for four-units.
For conventional loans, maximum amounts are $548,250 for a single-family residence, $702,000 for two-units, $848,500 for three-units, and $1,054,500 for four-units.
Our FHA calculator is available to view the best FHA rates today and help calculate the necessary downpayment, credit, income, reserves, and documentation to qualify.
The Lendersa® calculator helps you compare FHA rates and terms with all other loan programs. Investigate Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® collects data from thousands of lenders, rapidly comparing it to your unique financial profile and needs.
For 2025, the Loan Limits Comparison Table in Johnson-City, Broome, NY, provides insights into FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximums. To check qualification needs like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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