In the year 2026, the FHA loan limits for Larchmont county in Westchester, NY are as follows: $1,089,300 for a single-family residence, $1,394,775 for duplexes, $1,685,850 for triplex units, and $2,095,200 for four-unit buildings.
For conventional loans, the ceiling for a single-family home is $1,089,300. For two-unit homes, it reaches $1,394,775, for three-unit properties it's $1,685,850, and finally for four-unit residences it is $2,095,200.
Our FHA calculator is available to help you find today's competitive FHA rates and figure out the needed down payment, income, credit, reserves, and any necessary documents for eligibility.
The Lendersa® calculator offers you the ability to evaluate FHA rates and terms in comparison to those of other loan types. Delve into details and make comparisons among Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® collects loan program information from numerous lenders, providing rapid comparisons tailored to your individual financial profile.
The Loan Limits Comparison Table for 2026 in Larchmont of Westchester, NY illustrates maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification needs such as Income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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