For 2026, the FHA loan limits in Manhattan county, New York, NY are as follows: $1,089,300 for a single-family home, $1,394,775 for a two-unit structure, $1,685,850 for three units, and $2,095,200 for four units.
The maximum conventional loan amount on a single-family residence is $1,089,300. For two units, it's $1,394,775, for three units, it's $1,685,850, and $2,095,200 for four units.
Our FHA calculator helps you access today's top FHA rates, determining the necessary down payment, income, credit score, reserves, and documents required for qualification.
The Lendersa® calculator allows for comparison of FHA rates and terms with those of alternative loan programs. Delve into Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® swiftly compiles loan program data from thousands of lenders, providing tailored comparisons based on your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Manhattan county, New York, NY compares maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending options. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for assessing qualification criteria like income, reserves, and credit conditions.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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