In 2026, within Oneonta, in Otsego county, NY, the FHA loan limits are established at $472,030 for single-family homes, $604,400 for two-unit buildings, $730,525 for three-unit structures, and $907,900 for four-unit properties.
Regarding conventional loans, the maximum loan amounts are $726,200 for a single-family residence, $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for fourplexes.
Utilize our FHA calculator to find today's top FHA rates and calculate the necessary downpayment, income, credit score, reserves, and documents required for eligibility.
The Lendersa® calculator allows you to compare FHA rates and terms with other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® compiles comprehensive data from thousands of lenders and swiftly tailors it to match your specific financial profile and needs.
Check out the Loan Limits Comparison Table for 2026 in Oneonta, Otsego county, NY, which examines maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare necessary qualifications like income, reserves, and credit, employ 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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