For 2025, in Westchester, NY, including Montrose, the FHA loan limits are defined as follows: $1,089,300 for single-family homes, $1,394,775 for dual-unit properties, $1,685,850 for tri-unit, and $2,095,200 for quad-unit homes.
For conventional loans, the maximum amounts are: $1,089,300 for single-family, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four-unit properties.
Use our FHA calculator to check current best rates and find out the necessary downpayment, income, credit requirements, reserves, and documentation to qualify.
The Lendersa® calculator allows you to compare FHA terms with those of other loan types. Review and compare options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® accesses vast data from numerous lenders and swiftly aligns it with your financial details.
The Loan Limits Comparison for 2025 in Westchester, NY, for Montrose provides FHA and other loan types like Conventional, Jumbo, VA, and hard money limits. Check qualification needs—Income, reserves, credit—using Lendersa® SLIQ™.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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