For 2025, in the county of Westchester, in New-Castle, NY, the FHA loan limit stands at $822,375 for single-family homes, $1,053,000 for duplexes, $1,272,750 for triplexes, and $1,581,750 for fourplexes.
Conversely, conventional loan limits are fixed at $822,375 for a single-family residence, $1,053,000 for homes with two units, $1,272,750 for three-unit residences, and $1,581,750 for four-unit homes.
Leverage our FHA calculator for today’s best FHA rates and to calculate the downpayment, income, credit score, reserves, and needed documents for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms against other loans, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® compiles loan data from thousands of lenders, providing rapid comparisons against your personal financial profile.
In New-Castle, NY, access the 2025 Loan Limits Comparison Table, comparing maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification needs like income, reserves, and credit, try 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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