In 2026, FHA loan limits in Potsdam, situated in St. Lawrence county, NY, are $472,030 for a single-family residence, $604,400 for two-units, $730,525 for three-units, and $907,900 for four-units.
For conventional loans, the cap is $726,200 for a single-family dwelling. It extends to $929,850 for a duplex, $1,123,900 for a triplex, and $1,396,800 for four-unit properties.
Our FHA calculator provides today’s best FHA rates, allowing you to determine the required downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with those of other loan programs. You can examine options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® collects comprehensive loan data from thousands of lenders, matching it with your financial profile and needs swiftly.
Refer to the Loan Limits Comparison Table for 2026 in Potsdam, St. Lawrence, NY, to examine maximum loan amounts. It covers FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For comparing needed qualifications like income, reserves, and credit, 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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