For the year 2026, the FHA loan limit applicable to a single-family home in Kirkwood, within Broome of NY, is set at $472,030. In the case of properties with 2-units, the limit increases to $604,400. For those with 3-units, it stands at $730,525, and for 4-units, it tops out at $907,900.
Comparatively, the maximum loan amounts for conventional loans in the same area are $726,200 for single-family dwellings. For homes with dual units, the cap is $929,850, rising to $1,123,900 for homes with three units, and $1,396,800 for those with four units.
To discover today’s leading FHA rates and evaluate the necessary downpayment, income threshold, credit score, financial reserves, and needed documents for qualification, make use of our FHA loan calculator.
Utilizing the Lendersa® calculator, you have the ability to compare the rates and terms of FHA loans against all other available loan schemes. Dive into comparisons among Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, benchmarking them against FHA options.
Lendersa® aggregates comprehensive loan program data from numerous lenders, processing this information in mere seconds to contrast it with your specific financial situation and requirements.
The Loan Limits Comparison Table for 2026 in Kirkwood, Broome, NY allows a detailed review of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Employ the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to scrutinize qualification requirements including income, reserves, and credit.
| 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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