In the year 2025, the FHA loan limits for Oswegatchie county within St. Lawrence, NY are as follows: $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three units, and $907,900 for housing with four units.
The highest permissible conventional loan amount for a single-family residence is $726,200. For residences consisting of two units, the cap is $929,850; for three-unit homes, it is $1,123,900; and for properties with four units, $1,396,800 is the limit.
Explore today’s most competitive FHA rates using our FHA calculator, which also helps you work out the required down payment, necessary income, credit score, reserves, and documentation for qualification.
Our Lendersa® calculator offers a facility to compare FHA rates and terms alongside those from other loan programs. This includes finding and comparing Conventional loans, Jumbo loans, VA loans, USDA, Non-QM, and hard money loans with FHA opportunities.
Lendersa® gathers comprehensive loan program data from thousands of lenders and quickly reviews it in accordance with your distinct financial profile and needs.
The Loan Limits Comparison Table for 2025 in Oswegatchie county in St. Lawrence, NY provides a detailed review and comparison of the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money programs. To assess qualification criteria such as income, reserves, and credit, use Lendersa®'s 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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