In the year 2026, the FHA loan limits for New-Rochelle county, situated within Westchester, NY, are specified as follows: The limit for a single-family residence is $822,375. For a property with two units, the cap is $1,053,000. When dealing with three units, the maximum available is $1,272,750, and for a four-unit property, the limit reaches $1,581,750.
The maximum amount allowed for conventional loans on a single-family home is $822,375, $1,053,000 for properties with two units, $1,272,750 for three-unit homes, and $1,581,750 for four-unit residences.
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The Lendersa® calculator is a tool designed to assist you in comparing FHA rates and terms against other loan programs. Delve into a variety of options including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
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Check out the Loan Limits Comparison Table for 2026 in New-Rochelle, nestled within Westchester, NY. Here, you can compare the highest allowable loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the advanced features of the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification criteria such as income, credit, and reserve requirements.
| 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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