In 2026, the FHA loan limit in Medina county of Orleans, NY is set at $472,030 for a single-family home. For properties with two units, the limit is $604,400; for three units, it is $730,525; and for four-unit residences, the cap reaches $907,900.
The highest allowable amount for conventional loans on a single-family home is $726,200. For two-unit homes, the limit is $929,850, and for three units, it's $1,123,900, with four units capped at $1,396,800.
To explore today’s best FHA rates and calculate needed downpayment, income, credit, reserves, and documentation for qualification, use our FHA calculator.
Using the Lendersa® calculator, you can compare the rates and terms of FHA loans with other options. Dive into comparisons of Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA terms.
Lendersa® efficiently gathers loan program data from many lenders, matching it swiftly with your unique financial profile and specific needs.
For 2026, the Loan Limits Comparison Table in Medina, Orleans, NY provides a comparative look at the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine key qualifying factors 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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