In 2026, the FHA loan limit for Montgomery county of Orange, NY is $472,030 for a single-family home. It's $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum for conventional loans on a single-family residence is $726,525. It rises to $930,300 for two units, $1,124,475 for three units, and $1,397,400 for four units.
Use our FHA calculator to access today's best FHA rates and determine the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® rapidly gathers data from thousands of lenders to align it with your unique financial needs and profile.
The Loan Limits Comparison Table for 2026 in Montgomery county, Orange, NY, shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages (HECM), and Hard Money. To evaluate qualification criteria such as income, reserves, and credit, use 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 | $726,525 | $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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