In 2025, the FHA loan limits in Onondaga county of Onondaga, NY are $472,030 for a single-family home. For two units, it's $604,400, for three units, $730,525, and for four units, $907,900.
The maximum amount for conventional loans on a single-family residence is $726,200. It goes up to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to access today’s best FHA rates and see what downpayment, income, credit, reserves, and documents are necessary for qualification.
The Lendersa® calculator provides comparisons of FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® quickly compiles data from thousands of lenders, aligning it with your financial profile and needs.
The Loan Limits Comparison Table for 2025 in Onondaga county, Onondaga, NY, outlines the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. For assessing qualifications like income, reserves, and credit, use 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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