In 2026, the FHA loan limits established in Monticello, under Sullivan County, NY, are as follows: $472,030 for a single-family home, $604,400 for properties with 2-units, $730,525 for residences with 3-units, and $907,900 for those with 4-units.
The top borrowing figures for conventional loans on a single-family residence reach $726,200. For 2-units, the maximum is $929,850, for 3-units it is $1,123,900, and for structures with 4-units, it scales to $1,396,800.
Take advantage of our FHA calculator to access today’s optimal FHA rates, and calculate needed downpayments, as well as the income, credit, reserve, and documentation requirements essential for qualifying.
Using the Lendersa® calculator, you can examine FHA rates and terms alongside all other loan offerings. This encompasses Conventional, Jumbo, VA, USDA, Non-QM, and hard money loan categories.
Lendersa® promptly retrieves and analyzes data from numerous lenders, swiftly matching this to your personalized financial profile and needs.
The Loan Limits Comparison Table for 2026 in Monticello at Sullivan County, NY, compares the loan maximums for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To compare specific qualification benchmarks such as income, reserves, and credit specifics, utilize 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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