In 2025, the FHA loan limit in Rensselaer county of Rensselaer, NY is set at $472,030 for a single-family home. For 2-units, the limit is $604,400; for 3-units, it's $730,525; and for 4-units, it's $907,900.
The maximum amount for conventional loans on a single-family residence is $726,200. It increases to $929,850 for 2-units, $1,123,900 for 3-units, and rises to $1,396,800 for 4-units.
Use our FHA calculator to discover today’s top FHA rates and figure out the necessary downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator allows comparison of FHA rates and terms with those from other loan programs. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
By gathering data from thousands of lenders, Lendersa® quickly aligns loan options with your individual financial needs.
The Loan Limits Comparison Table for 2025 in Rensselaer county, Rensselaer, NY details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. For criteria such as income, reserves, and credit, use 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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