For 2025, in Menands, part of Albany county, NY, the FHA loan limits are established as follows: $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for homes with three units, and $907,900 for four-unit residences.
Meanwhile, the ceiling for conventional loans on a single-family residence stands at $726,200. For properties including two units, the limit enhances to $929,850; for buildings with three units, it's set at $1,123,900; and for four-unit dwellings, the cap is $1,396,800.
Make use of our FHA calculator to explore current leading FHA rates, and to assess required downpayments along with income, credit qualification, reserves, and necessary documentation for eligibility.
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With the Lendersa® calculator, you can effectively compare the rates and terms of FHA loans with those from a suite of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
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For 2025, the Loan Limits Comparison Table for Menands, within Albany county, NY, offers a comprehensive comparison of maximum loan amounts across different types including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly compare qualification needs like income, reserves, and credit criteria, consider using the Lendersa® Super Loan Integrated Qualifier (SLIQ™) as part of your assessment.
| 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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