For the year 2025, FHA loan limits in Manheim county of Herkimer, NY, stand at $472,030 for a single-family home, $604,400 for two-unit homes, $730,525 for three-unit homes, and $907,900 for four-unit dwellings.
In terms of conventional loans, a single-family residence has a maximum loan amount of $726,200. This changes to $929,850 for houses with two units, $1,123,900 for those with three units, and $1,396,800 for properties comprising four units.
Use our FHA calculator to discover today’s top FHA rates and calculate the necessary downpayment, given your income, credit, reserves, and documentation requirements for eligibility.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with various other loan programs. These include Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, contrasted with FHA options.
Lendersa® pulls loan program data from thousands of lenders and quickly matches it to your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Manheim, Herkimer, NY, shows the comparison between FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements like income, reserves, and credit.
| 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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