In 2026, the FHA loan limits for properties in Putnam-Lake county, within Putnam, NY, are as follows: $822,375 for single-family homes, $1,053,000 for 2-unit properties, $1,272,750 for 3-units, and $1,581,750 for 4-unit homes.
For conventional loans on a single-family residence, the top loan amounts are $822,375. For two-unit homes, it is $1,053,000; for three units, $1,272,750; and for residences with four units, it reaches $1,581,750.
Harness our FHA calculator to uncover today’s most competitive FHA rates and deduce the needed elements for downpayment, income, credit score, reserves, and documents essential for qualification.
The Lendersa® calculator aids in comparing FHA rates and terms with those from other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA options.
By rapidly acquiring data from thousands of lenders, Lendersa® provides tailored comparisons against your financial profile and necessities.
In 2026, the Loan Limits Comparison Table for Putnam-Lake county of Putnam, NY offers an extensive analysis of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money paths. To delve into qualification criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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