As of 2026, the FHA loan limits in Warren county, encapsulating Lake-Luzerne in NY, are detailed as follows: $356,362 for a single-family home, $456,275 for two-unit homes, $551,500 for properties with three units, and $685,400 for four units. These limits cater to various housing needs, ensuring adequate funding options for different property sizes.
In contrast, conventional loans have established maximum amounts: $548,250 for a single-family residence, $702,000 for two-unit dwellings, $848,500 for three-units, and $1,054,500 for four-unit properties. These caps are designed to support more traditional housing finance needs.
Make use of our FHA calculator to find today’s best FHA rates and evaluate requirements like down payment, income, credit scores, reserve needs, and necessary documentation to qualify for a loan.
Through the Lendersa® calculator, compare the rates and terms of FHA loans against a wide range of other loan options. This includes Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, all alongside FHA. This breadth of comparison is designed to help borrowers understand their full range of options.
Lendersa® compiles loan program data from an extensive number of lenders. It rapidly aligns these with your financial profile and requirements, ensuring personalized and relevant loan options.
Refer to the Loan Limits Comparison Table for 2026 in Warren of Lake-Luzerne, NY to see the highest possible loan values for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money financing. For deeper insights into qualification needs involving income, reserves, and credit, employ Lendersa®'s Super Loan Integrated Qualifier (SLIQ™) for comprehensive evaluation and comparison.
| 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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