In 2026, the FHA loan limit for a single-family home in Lake-Carmel county of Putnam, NY stands at $822,375. For two-unit properties, it's $1,053,000; three-unit homes are capped at $1,272,750; and for four-unit dwellings, it's $1,581,750.
Maximum conventional loan amounts are $822,375 for single-family homes, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
Use our FHA calculator to find today's best rates, assessing required downpayments, income, credit, reserves, and necessary documentation for qualification.
The Lendersa® calculator assists in comparing FHA rates and terms with other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects extensive lender data and compares it with your unique financial profile swiftly.
For 2026, check the Loan Limits Comparison Table in Lake-Carmel county of Putnam, NY, which shows FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximums. Compare qualification needs like income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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