For 2025, the FHA loan limit in New-Hartford county of Oneida, NY is $356,362 for a single-family home. The limit increases to $456,275 for two-units, $551,500 for three-units, and $685,400 for four-units.
The conventional loan maximum for a single-family residence is $548,250, rising to $702,000 for two units, $848,500 for three units, and $1,054,500 for four units.
Use our FHA calculator to browse today’s optimal FHA rates and ascertain the required downpayment, income, credit, reserves, and necessary documents for qualification.
The Lendersa® calculator facilitates the comparison of FHA rates and terms against those of other loan programs. These include Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans. Investigate these options thoroughly.
Lendersa® gathers extensive loan program data from thousands of lenders, aligning it rapidly with your specific financial profile and needs.
The Loan Limits Comparison Table for 2025 in New-Hartford county of Oneida, NY, offers insights into maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To explore qualification criteria like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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