In the year 2026, the FHA loan limits for Pendleton county within Niagara, NY stand at $472,030 for single-family properties, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit homes.
When it comes to conventional loans, the limit for a single-family house is $726,200, followed by $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
To uncover the best FHA rates available today, utilize our FHA calculator for insights into down payment, income, credit, reserves, and necessary documentation for qualification.
The Lendersa® calculator helps you compare FHA rates and conditions alongside other loans. Look into options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans compared to FHA.
Leveraging data from thousands of lenders, Lendersa® evaluates it against your financial profile quickly, offering tailored comparisons for you.
This year's Loan Limits Comparison Table for Pendleton county in Niagara, NY shows FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximums. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare criteria such as income, reserves, and credit.
| 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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