In 2025, the FHA loan limit in Niskayuna county of Schenectady, NY is $472,030 for a single-family home. For two units, it's $604,400, for three units $730,525, and for four units, $907,900.
The maximum conventional loan amount for a single-family home is $726,200, rising to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to check today's top FHA rates and determine the necessary downpayment, income, credit, reserves, and documents to qualify.
The Lendersa® calculator helps compare FHA rates and terms with those of other loans, such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money.
Accessing data from thousands of lenders, Lendersa® swiftly aligns options with your financial profile.
For 2025, the Loan Limits Table in Niskayuna county, Schenectady, NY, covers maximum loan figures for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgages, and Hard Money. To assess qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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