In 2026, the FHA loan limits for Lackawanna, within Erie county, NY, are: $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit buildings, and $907,900 for four-unit homes.
On the conventional side, loan caps are up to $726,200 for a single-family home, $929,850 for two-units, $1,123,900 for three-units, and $1,396,800 for four-units.
Our FHA calculator can show you today's best FHA rates and help determine the required downpayment, income level, credit score, reserves, and any needed documents to qualify.
The Lendersa® calculator is a tool designed to allow comparison of FHA interest rates and terms against alternative loan options. You can explore a variety of loans, such as conventional, jumbo, VA, USDA, non-QM, and hard money loans, in addition to FHA.
Lendersa® rapidly compiles data from many lending sources to compare it with your individualized financial needs and profile.
The Loan Limits Comparison Table for 2026 highlights the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans specific to Lackawanna, county of Erie, NY. You can also employ Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements like 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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