As of 2026, the FHA loan limits in Mount-Kisco county, under Westchester, NY, are established as follows: a single-family home is capped at $822,375, for 2-units at $1,053,000, for 3-units the limit is $1,272,750, and for residences with 4-units it is $1,581,750.
The maximum permissible amount for conventional loans on single-family homes is $822,375, extends to $1,053,000 for 2-units, $1,272,750 for 3-unit properties, and rises to $1,581,750 for 4-units.
Use our FHA calculator to ascertain today’s most favorable FHA rates and evaluate the necessary downpayment, credit, income, reserves, and documentation required for qualification.
The Lendersa® calculator empowers you to juxtapose FHA rates and terms with those of other loan options. Investigate and assess loans such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans compared to FHA offerings.
Amassing data from thousands of lenders, Lendersa® swiftly aligns loan program information to your unique financial circumstances and requirements.
The Loan Limits Comparison Table for 2026 in Mount-Kisco county, Westchester, NY allows comparison across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limit settings. For a deeper understanding of qualification needs encompassing income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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