For 2026, the FHA loan limits in Red-Oaks-Mill county of Dutchess, NY, are set at $356,500 for a single-family home, $456,350 for two units, $551,650 for three units, and $685,550 for four-unit properties.
The maximum conventional loan amount for a single-family home is $726,525. For two units, it is $930,300, for three units, $1,124,475, and for four units, it is $1,397,400.
Use our FHA calculator to find today’s top FHA rates and figure out the necessary downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with other types such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects extensive loan data from numerous lenders for quick comparison with your financial profile.
Evaluate the Loan Limits Comparison Table for 2026 in Red-Oaks-Mill, Dutchess, NY, to compare maximum loan sizes across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review qualification criteria like income, reserves, and credit, use Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,500 | $456,350 | $551,650 | $685,550 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| USDA | $581,220 | $581,220 | $581,220 | $581,220 |
| VA | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| 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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