For the current year, 2026, the FHA loan limits in Norfolk county, which is part of St. Lawrence, NY, are as follows: $472,030 applies to single-family homes, $604,400 for properties with two units, $730,525 for three-unit buildings, and $907,900 for those with four units.
When it comes to conventional loan maximums for a single-family dwelling, the amount is $726,200, for residences with two units it is $929,850, with three units it is $1,123,900, and with four units it is $1,396,800.
Utilize our comprehensive FHA calculator to uncover the best FHA rates available today. This tool will also help determine the necessary down payment, details regarding borrower income, credit scores, reserves, and the documentation needed to qualify for a loan.
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Refer to our Loan Limits Comparison Table for 2026 situated in Norfolk county within St. Lawrence, NY. This table provides a comprehensive comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money programs. To compare specific qualification requirements, such as necessary income levels, reserve amounts, and credit score parameters, make use of Lendersa®’s 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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