In 2026, the FHA loan limits allocated for the county of Genesee in Oakfield, NY, are $472,030 for a single-family home, $604,400 for a property with two units, $730,525 for three-unit residences, and $907,900 for those with four units.
On the other hand, for conventional loans, the maximum financing available for a single-family residence is $726,200. For two-unit homes, it rises to $929,850, while three-unit properties have a cap of $1,123,900, and four-unit buildings reach up to $1,396,800.
Leverage our FHA calculator for an overview of today’s best FHA rates and to calculate mandatory downpayments, as well as assess requirements like income, credit ratings, reserves, and essential documentation for qualifying.
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The Lendersa® calculator is equipped to provide comparisons of FHA terms and rates with those of various other financing programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. This facilitates a deeper understanding by evaluating options alongside FHA loans.
By collecting extensive loan program data from thousands of lenders, Lendersa® manages to quickly match this information to your distinctive financial profile and needs, ensuring you receive the most relevant options.
Access the Loan Limits Comparison Table for 2026, which is specific to Oakfield, in the county of Genesee, NY. This table provides a comprehensive look at maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For insight into qualification parameters such as income, reserves, and credit prerequisites, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for detailed comparisons.
| 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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