In 2026, FHA loan limits for New-Scotland county in Albany, NY are $356,362 for a single-family home, $456,275 for 2-units, $551,500 for 3-units, and $685,400 for 4-units.
The maximum amount for conventional loans on a single-family residence is $548,250, with $702,000 for 2-units, $848,500 for 3-units, and $1,054,500 for 4-units.
Use our FHA calculator to access today’s leading FHA rates and determine the downpayment, income, credit, reserves, and documents needed for qualification.
With the Lendersa® calculator, compare FHA rates and terms against those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® gathers data from thousands of lenders, offering swift comparisons tailored to your financial profile.
The Loan Limits Comparison Table for 2026 in New-Scotland county, Albany, NY, details FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification criteria, including 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 |
|
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
