For 2026, the FHA loan limits in Mohawk, Montgomery, NY are: $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The cap for conventional loans on a single-family residence is $726,200, increasing to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use the FHA calculator to discover today’s top FHA rates and find out the required downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator helps compare FHA rates and terms with other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® pulls data from thousands of lenders and quickly aligns it with your unique financial profile.
For 2026, compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans in Mohawk, Montgomery, NY. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess requirements 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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