As of 2026, the FHA loan limit in Kent county of Putnam, NY stands at $1,089,300 for a single-family residence, $1,394,775 for two-unit homes, $1,685,850 for buildings with three units, and $2,095,200 for four-unit properties.
The highest loan amount available for conventional loans is $1,089,300 for single-family homes, $1,394,775 for two-unit residences, $1,685,850 for three-unit properties, and $2,095,200 for four-unit dwellings.
Make use of our FHA calculator to discover today’s leading FHA rates and to evaluate the downpayment, income, credit, reserves, and document requirements for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of all other loan programs. Delve into options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA ones.
Lendersa® sources loan program information from numerous lenders and quickly aligns this data with your personal financial profile and needs.
The Loan Limits Comparison Table for 2026 in Kent county of Putnam, NY lets you compare the maximum available loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification prerequisites, including income, reserves, and credit assessments, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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