In 2025, for Livingston, located in Columbia county, NY, the FHA loan limits are structured as follows: $472,030 for a single-family home, $604,400 for two-unit homes, $730,525 for three-unit properties, and $907,900 for four-unit buildings.
The maximum amount for conventional loans on a single-family residence is set at $726,200. For homes with two units, the limit extends to $929,850; for three units, it's $1,123,900; and for four units, the maximum reaches $1,396,800.
Use our FHA calculator to explore today’s best rates and verify the required downpayment, income guidelines, credit criteria, reserves, and documents needed to qualify.
The Lendersa® calculator facilitates comparisons of FHA rates and terms against a diversity of other loan programs. Engage in evaluating FHA with Conventional loans, Jumbo packages, VA, USDA, Non-QM, and hard money loans.
Lendersa® efficiently assembles loan program data from thousands of lenders and quickly aligns it with your specific financial profile and needs.
The Loan Limits Comparison Table for 2025 in Livingston, within Columbia county, NY, delivers detailed insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly assess qualification criteria like income, reserves, and credit standards, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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