In 2025, the FHA loan limits in Madison, part of Madison, NY, are set at $472,030 for a single-family home, $604,400 for two-unit residences, $730,525 for properties with three units, and $907,900 for those with four units.
Regarding conventional loans, the maximum for a single-family unit is $726,200. For two-unit homes, the limit is $929,850, for three-unit structures, it's $1,123,900, and for four-unit houses, it is $1,396,800.
Our FHA calculator helps you find today’s best FHA rates, calculating the downpayment needed and assessing income, credit, reserves, and documents for qualifying purposes.
Lendersa® offers a calculator that lets you compare FHA rates and terms against those of other loans, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles loan data from thousands of lenders, quickly matching it to your financial profile to meet your unique needs.
In Madison, county of Madison, NY, the Loan Limits Comparison Table for 2025 provides a comparative look at maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to explore income, reserves, and credit requirements.
| 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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