In 2026, within Lake-Mohegan county of Westchester, NY, the FHA loan limit is $822,375 for a single-family home. Two-unit properties have a cap of $1,053,000, three-unit properties max at $1,272,750, and four-unit buildings at $1,581,750.
Conventional loan caps for a single-family residence are set at $822,375, increasing to $1,053,000 for two units, $1,272,750 for three, and $1,581,750 for four units.
Use our FHA calculator to find today's top rates and calculate the necessary downpayment, income, credit, reserves, and documents needed for approval.
The Lendersa® calculator facilitates comparison of FHA rates and terms with various other loan options, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly acquires data from thousands of lenders, comparing it to align with your personal financial profile and requirements.
Utilize the Loan Limits Comparison Table for 2026 in Lake-Mohegan county of Westchester, NY, which covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. For detailed criteria like income, reserves, and credit, employ 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 | $0 | $0 | $0 | $0 |
| 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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