In 2025, the FHA loan limits for Paris county, located within Oneida, NY, are: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for three-unit homes, and $907,900 for buildings with four units.
The maximum amount for conventional loans on a single-family home is $726,200. For two-unit properties, it's $929,850, for three-unit buildings, $1,123,900, and for four units, the limit is $1,396,800.
To find today’s best FHA rates, use our calculator to determine the required downpayment, income levels, credit criteria, reserves, and necessary documentation for qualification.
With the Lendersa® calculator, you can analyze FHA rates alongside terms from other loan programs. Carefully assess and compare options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with FHA options.
Lendersa® collects detailed data from thousands of lenders to deliver quick comparisons tailored to your unique financial profile and requirements.
The Loan Limits Comparison Table for 2025 in Paris county of Oneida, NY provides insights into maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan options. Use Lendersa®'s Super Loan Integrated Qualifier (SLIQ™) to examine criteria including income, reserves, and credit requirements.
| 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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