For 2026, the FHA loan limits in Otego county within Otsego, NY are as follows: $472,030 for a single-family home, $604,400 for two-unit buildings, $730,525 for three-unit properties, and $907,900 for four-unit residences.
Regarding conventional loans, the maximum amount you can borrow for a single-family home is $726,200. The limit for two-unit properties is $929,850, for three units it's $1,123,900, and for four-unit homes, it extends to $1,396,800.
Our FHA calculator is available for you to determine today's most competitive FHA rates, compute the required downpayment, assess your income level, credit score, reserves, and prepare the documents needed for loan qualification.
Using the Lendersa® calculator, you can compare FHA rates and terms with those of other available loan programs, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects comprehensive loan program data from a multitude of lenders and provides tailored comparisons against your specific financial profile and requirements in mere seconds.
The Loan Limits Comparison Table for 2026 in Otego, Otsego, NY allows you to compare the maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate other qualification needs such as income, reserves, and creditworthiness, make use of 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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