For 2026 in Rome county of Oneida, NY, the FHA loan limits are: $472,030 for a single-family home; $604,400 for two units; $730,525 for three units; and $907,900 for four units.
The maximum conventional loan amount for a single-family residence is $726,200. For two-unit properties, it is $929,850, for three units, $1,123,900, and for four units, $1,396,800.
Our FHA calculator helps identify today's best FHA rates and outlines the needed downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator permits you to compare FHA rates and terms with those of other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans.
Lendersa® rapidly collects loan program information from many lenders and compares it with your financial profile.
The Loan Limits Table for 2026 in Rome county, Oneida, NY exhibits the max loan amounts across FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. To assess qualification criteria like income, reserves, and credit, utilize Lendersa®'s 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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