In 2026, the FHA loan limits for Rotterdam county of Schenectady, NY stand at $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
The cap for conventional loans on a single-family residence is pegged at $726,200. It increases to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Utilize our FHA calculator to explore today’s competitive FHA rates and determine necessary downpayments, income, credit, reserves, and required documentation for qualifying.
The Lendersa® calculator allows comparisons of FHA rates and terms with those from other loan types, such as Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans. Delve into these options to find your match.
Lendersa® draws from the data provided by thousands of lenders, and quickly aligns it to your specific financial profile and needs.
For 2026, the Loan Limits Comparison Table in Rotterdam county of Schenectady, NY contrasts the maximum loan amounts possible for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money. To assess qualification criteria including income, reserves, and credit, make use of the 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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