As of 2026, in the county of Niagara, NY, located in Niagara-Falls, the FHA loan limits are designated at $356,362 for single-family homes, $456,275 for two-unit structures, $551,500 for three-unit dwellings, and $685,400 for four-unit buildings.
For conventional loans, the highest permissible amount for a single-family residence is $548,250, which increases to $702,000 for two-unit homes, $848,500 for three-unit properties, and culminates at $1,054,500 for four units.
Take advantage of our FHA calculator to access today's leading FHA rates and identify the required downpayment, necessary income, credit standards, reserves, and documentation necessary for approval.
The Lendersa® calculator allows for a thorough comparison between FHA rates and terms and those offered by other loan programs. Examine and contrast various products, such as Conventional loans, Jumbo, VA, USDA, Non-Qm, as well as hard money loans with FHA alternatives.
Lendersa® aggregates data from thousands of lenders, delivering quick comparisons tailored to your financial circumstances and needs.
The Loan Limits Comparison Table for 2026 in Niagara-Falls county within Niagara, NY showcases the maximum allowable loan amounts for FHA, Conforming Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Make use of Lendersa® Super Loan Integrated Qualifier (SLIQ™) to assess necessary qualifications including income, reserves, and credit.
| 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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