For 2025, the FHA loan limits in North-Tonawanda county of Niagara, NY are set at $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four units.
The maximum conventional loan amount for a single-family residence is $548,250. For two-unit homes, it is $702,000, for three units it is $848,500, and for four units, it is $1,054,500.
Utilize our FHA calculator to view today's best FHA rates and determine the necessary downpayment, income, credit, reserves, and documents for qualification
With the Lendersa® calculator, you can compare FHA rates and terms with other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® compiles data from thousands of lenders and swiftly aligns it with your financial needs and profile.
The Loan Limits Comparison Table for 2025 in North-Tonawanda county of Niagara, NY, presents a comparison of maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. To assess qualification requirements such as income, reserves, and credit, use 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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