For the year 2026, the FHA loan limit within Perinton county, located in Monroe, NY, is $472,030 for a single-family home. If you are looking into a two-unit property, the limit increases to $604,400, it rises to $730,525 for three-unit homes, and further elevates to $907,900 for four-unit buildings.
The cap for conventional loans is different, with the maximum amount available for a single-family dwelling set at $726,200. If you plan to invest in a two-unit property, the sum caps at $929,850. For three-unit properties, it is limited to $1,123,900, whereas four-unit structures have a cap of $1,396,800.
Leverage our FHA calculator to gain insights into today’s most competitive FHA rates. It assists in identifying the necessary downpayment, required income, credit standards, reserves, and all documentation for qualifying.
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The Lendersa® calculator is an exceptional tool that facilitates comparing FHA loan rates and terms with those of all other loan programs. It permits you to explore and assess possibilities including Conventional loans, Jumbo loans, VA loans, USDA options, Non-Qm varieties, and hard money loans alongside FHA options.
Data from myriad lenders filters through Lendersa®, allowing you to receive quick and personalized loan program comparisons that align with your financial profile and requirements.
The comprehensive Loan Limits Comparison Table for 2026 in Perinton county of Monroe, NY offers a juxtaposition of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans in terms of maximum allowable amounts. To delve into qualification conditions such as income, reserves, and credits, utilize 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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