In the year 2026, the FHA loan limit in Lockport county, part of Niagara, NY, is set at $472,030 for a single-family residence. For properties with two units, it is $604,400, for three units, the limit is $730,525, and for properties with four units, it is $907,900.
As for conventional loan limits, the maximum for a single-family home is $726,200. It rises to $929,850 for duplex homes, $1,123,900 for triplex homes, and $1,396,800 for four-unit homes.
To explore today’s optimal FHA rates and understand the required downpayment, income, credit scores, reserves, and necessary documentation for qualification, use our FHA calculator.
The Lendersa® calculator provides a comparison of FHA rates and terms with those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Offering data from thousands of lenders, Lendersa® efficiently compares this information with your specific financial circumstances to help you choose the best option.
The Loan Limits Comparison Table for 2026 in Lockport county of Niagara, NY enables you to review the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To assess qualification criteria such as income, reserves, and credit, leverage 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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