For 2026, the FHA loan limit in Lyons county within Wayne, NY is $472,030 for a single-family home. For 2-unit properties, it’s $604,400; for 3-units, $730,525; and for 4-units, $907,900.
Conventional loan caps for single-family residences start at $726,200, and for a two-unit dwelling, it is $929,850. This increases with $1,123,900 for three units, and finally, $1,396,800 for four units.
Use our FHA calculator to find the best FHA rates today and determine what's needed for downpayment, income, credit, reserves, and documentation to qualify.
The Lendersa® calculator empowers you to compare FHA rates and terms with those from other loan programs. Evaluate and explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA loans.
By sourcing data from thousands of lenders, Lendersa® quickly compares programs against your individual financial profile and needs.
Check out the Loan Limits Comparison Table for 2026 in Lyons county within Wayne, NY, which compares FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. To assess qualification requirements like income, reserves, and credit, 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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