In 2026, within Penfield county, Monroe, NY, the FHA loan limits are set at $472,030 for a single-family residence, $604,400 for two units, $730,525 for three-unit properties, and $907,900 for four-unit homes.
For conventional loans, the ceiling on a single-family home is $726,200. For two-units, it's $929,850; for three-units, it is $1,123,900; and for four-units, the limit reaches $1,396,800.
Use our FHA calculator to access today’s top FHA rates and determine the required downpayment, income, credit standing, reserves, and documents needed for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of all other loan programs. Explore and contrast various loan types including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA options.
Lendersa® compiles loan program data from thousands of lenders, swiftly providing comparisons tailored to your financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Penfield county of Monroe, NY features maximum loan comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification requirements such as income, reserves, and credit, employ 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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