In the year 2025, for the county of Ontario in Phelps, NY, the FHA loan limits stand at $472,030 for single-family homes, $604,400 for duplexes, $730,525 for three-units, and $907,900 for four-units.
Conventional loan maximums for a single-family home are $726,200. Limits for two-units rise to $929,850, three-units at $1,123,900, and four-units up to $1,396,800.
Use our FHA calculator to see current FHA rates, calculate downpayment, income, credit, and reserves needed, and identify the necessary documents for qualification.
Utilize the Lendersa® calculator to make comparisons between FHA rates and terms with all other loan options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® quickly pulls data from many lenders, aligning it with your specific financial profile and needs.
View the Loan Limits Comparison Table for 2025 in Phelps, Ontario, NY, comparing FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for comparing qualification requirements on 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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