As of 2026, the FHA loan limits in Massena county, St. Lawrence, NY are $472,030 for a single-family home, $604,400 for two-unit buildings, $730,525 for three units, and $907,900 for four-unit properties.
The maximal conventional loan amounts are $726,200 for single-family homes, $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
See today’s best FHA rates using our FHA calculator to determine the downpayment, income, credit, reserves, and required documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with other program options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® accesses data from thousands of lenders and compares it to your financial profile in seconds.
The Loan Limits Comparison Table for 2026 in Massena, county of St. Lawrence, NY helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limits. Use the Lendersa® SLIQ™ for qualifications including 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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