For the year 2025, the FHA loan limit in Rutland, located in the county of Jefferson, NY, is set at $472,030 for a single-family home. For properties containing two units, the limit is $604,400; for those consisting of three units, it extends to $730,525; and finally, for structures with four units, the cap reaches $907,900. This range of loan limits accommodates various housing structures, ensuring flexibility in financing across different property types.
When we look at conventional loans, the maximum allowable amount for a single-family residence is $726,200. For homes with two units, the ceiling is $929,850; for ones with three units, it is $1,123,900; and for properties featuring four units, the limit is $1,396,800. These varying limits provide options tailored to different residential arrangements, supporting diverse housing finance needs.
To access the most favorable FHA rates available today and calculate the necessary downpayment requirements, you can use our robust FHA calculator. It also helps you evaluate additional qualifying criteria, such as income level, creditworthiness, reserves, and documentation needed to secure a loan effectively. This tool delivers vital financial insights, aiding property buyers in making informed decisions regarding their potential home financing options.
The Lendersa® calculator empowers you to compare the rates and terms of FHA loans with those of various other loan programs. This includes examining and contrasting options such as Conventional loans, Jumbo loans, VA loans, USDA loans, Non-QM loans, and hard money loans, all alongside FHA offerings. Through this expansive comparison, you can identify the financial path that best aligns with your unique circumstances and objectives.
Lendersa® efficiently acquires extensive loan program data from a broad spectrum of lenders. It processes this information swiftly to align it against your precise financial profile and needs, ensuring that you receive a tailored assessment reflective of your requirements.
The Loan Limits Comparison Table for 2025 in Rutland, within the county of Jefferson, NY, enables the evaluation of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to delve into qualification requirements, including income, reserves, and credit benchmarks, to comprehensively assess your eligibility and ensure seamless navigation through available financing options.
| 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 |
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
