For 2026, in Richland county within Oswego, NY, the FHA loan limit is $472,030 for a single-family house. For 2-unit properties, the limit is $604,400, it is $730,525 for 3-unit homes, and for 4-units, it reaches $907,900.
Conventional loan maximums on a single-family residence are $726,200, increasing to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Our FHA calculator can assist you in finding today’s optimal FHA rates and determining the downpayment, required income, credit standards, reserves, and documentation necessary for qualification.
With the aid of the Lendersa® calculator, you can compare FHA rates and terms with various other loan programs. Browse through Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA ones.
Lendersa® gathers data from a multitude of lenders, comparing loan programs swiftly against your personalized financial situation and requirements.
The Loan Limits Comparison Table for 2026 in Richland of Oswego, NY enables comparisons of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze qualification requirements such as income, reserves, and credit, utilize 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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