In the year 2026, the FHA loan limits assigned to Minoa county, within Onondaga, NY, are as follows: For a single-family home, the limit is $472,030. Should you be considering 2-unit properties, the limit extends to $604,400. For those interested in 3-unit residences, you will find the limit set at $730,525, and for 4-unit properties, it is $907,900.
As for conventional loans, the maximum allowed for a single-family residence is $726,200. For properties with 2-units, the limit is $929,850. If you're looking at 3-unit options, you'll find the limit at $1,123,900, and for properties with 4-units, the maximum lending amount is set at $1,396,800.
If you're keen on exploring today's FHA rates, our FHA calculator is at your disposal. It'll help you figure out the necessary down payment, as well as the income level, credit score, reserves, and documents required to qualify for a loan.
With the Lendersa® calculator, comparing FHA rates and terms with those of other loan programs such as Conventional, Jumbo, VA, USDA, Non-QM, and even hard money loans becomes seamless. You can explore various options alongside FHA to make informed financial decisions.
Lendersa® collects comprehensive loan program data from a vast network of thousands of lenders and assesses this information against your personal financial profile and needs rapidly.
The Loan Limits Comparison Table for 2026 made specifically for Minoa county within Onondaga, NY, allows for a direct comparison of FHA loan limits with other options including Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, and the Reverse Mortgage (HECM), as well as hard money loans. For an in-depth evaluation of qualification requirements like income, reserves, and credit standing, make use of the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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