For 2026, FHA loan limits in Middletown, situated in Orange, NY, are defined as follows: $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three units, and $907,900 for four-unit buildings.
Conventional loan maximums reach $726,525 for a single-family home, $930,300 for duplexes, $1,124,475 for triplexes, and $1,397,400 for four-unit structures.
Use our FHA calculator to see today's top FHA rates and assess all necessary requirements like downpayment, income, credit score, reserves, and documentation to qualify.
The Lendersa® calculator empowers you to compare FHA rates and terms against those of various other loan programs, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® accesses data from thousands of lenders, quickly tailoring comparisons to fit your financial profile and needs.
Refer to the Loan Limits Comparison Table for 2026 in Middletown, Orange, NY, offering insight into maximums for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgages (HECM), and hard money loans. Utilize Lendersa®'s SLIQ™ to evaluate qualification requirements 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 | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| USDA | $581,200 | $581,200 | $581,200 | $581,200 |
| VA | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| 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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