For 2026, the FHA loan limits in Palatine, in the county of Montgomery, NY, are $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The maximum available for conventional loans on a single-family dwelling is $726,200. For two-unit homes, it is $929,850, for three-unit properties, the limit is $1,123,900, and for four units, it is $1,396,800.
Use our FHA calculator to discover today's optimal FHA rates and assess the requirements for down payment, income, credit, reserves, and necessary documents to qualify.
Using Lendersa® calculator, compare the rates and terms of FHA loans with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® obtains data from thousands of lenders, swiftly comparing it with your specific financial profile.
The Loan Limits Comparison Table for 2026 in Palatine, county of Montgomery, NY, allows you to compare maximum loan amounts of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to examine qualification criteria like income, credit, and reserves.
| 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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