In 2026, the FHA loan limits in Owasco, Cayuga county, NY, are $472,030 for a single-family home, $604,400 for two-unit homes, $730,525 for three units, and $907,900 for four-unit properties.
The maximum conventional loan for a single-family residence is $726,200. For two units, it increases to $929,850, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to see today’s top FHA rates and determine necessary downpayment, income, credit reserves, and documents for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with those of other loans. Evaluate Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® quickly retrieves data from thousands of lenders to align with your financial profile.
Loan Limits Comparison Table for 2026 in Owasco, Cayuga county, NY, offers insights into FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limits. To compare qualification requirements 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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