As of 2025, USDA loan limits in New-York-Mills within the county of Oneida, NY are as follows: $356,362 for a single-family dwelling, $456,275 for two-unit structures, $551,500 for those with three units, and $685,400 for four-unit homes.
The highest conventional loan amount for a single-family home is set at $548,250. For properties hosting two units, the limit is $702,000, while for those with three units, it's $848,500, and for four-unit residences, the cap is $1,054,500.
Determine the best FHA rates today by using our FHA calculator. It helps in calculating required downpayment, among other qualifying factors like income, credit, reserves, and necessary documentation.
The Lendersa® calculator facilitates a thorough comparison of FHA rates and terms with other loan offerings including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Dive into the diversification of loan programs.
With data sourced from thousands of lenders, Lendersa® efficiently aligns your financial profile with the best program options.
The Loan Limits Comparison Table for 2025 in New-York-Mills, county of Oneida, NY offers insights into the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For comparative qualification criteria, such as income, credit, and reserves, make use of 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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