For 2025, the FHA loan limit in Essex county, North-Elba, NY, is $356,362 for single-family homes. It is $456,275 for two-unit properties, $551,500 for three units, and $685,400 for four-unit residences.
The conventional loan cap for a single-family home is $548,250, increasing to $702,000 for two units, $848,500 for three units, and reaching $1,054,500 for four units.
Use our FHA calculator to discover today’s best FHA rates and calculate necessary downpayment, income, credit, reserves, and qualification documentation.
The Lendersa® calculator makes it easy to compare FHA loans and terms with other available programs including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly compiles data from thousands of lenders, aligning it precisely with your financial profile and particular needs.
Check the 2025 Loan Limits Comparison Table for North-Elba in Essex, NY. It compares FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan limits. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate requirements like 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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