In 2025, FHA loan limits in Le-Ray county of Jefferson, NY are $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
The maximum conventional loan amount for a single-family residence is $548,250, increasing to $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to find today’s best FHA rates along with requirements for downpayment, income, credit, reserves, and needed documents for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® rapidly collects loan program data from thousands of lenders and matches it with your financial profile and needs.
The Loan Limits Comparison Table for 2025 in Le-Ray county, Jefferson, NY, lists maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and Hard Money. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualifications like income, reserves, and credit.
| 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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