In 2025, the FHA loan limit for Rochester county of Monroe, NY is $472,030 for a single-family home. For two units, it is $604,400, for three units $730,525, and for four units, it’s $907,900.
The maximum loan amount available for conventional loans on a single-family residence is $726,200. For two units, it’s $929,850, for three units $1,123,900, and for four units, the amount is $1,396,800.
Access our FHA calculator to discover today’s best FHA rates and determine the necessary down payment, income, credit, reserves, and documentation required for qualification.
The Lendersa® calculator allows you to compare FHA rates and terms with a variety of other loan programs. Explore and assess options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA offerings.
Lendersa® aggregates comprehensive loan data from thousands of lenders, delivering rapid comparisons tailored to your unique financial profile and requirements.
For 2025, the Loan Limits Comparison Table in Rochester county, Monroe, NY provides a detailed comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification criteria, including income, reserves, and credit needs.
| 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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