In 2026, the FHA loan limits for Salamanca county, located in Cattaraugus, NY, are as follows: $472,030 for a single-family home, $604,400 for 2-unit properties, $730,525 for 3-unit homes, and $907,900 for those with 4-units.
The maximum amount allowed for conventional loans on single-family residences is $726,200. This increases to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for properties with 4-units.
Our FHA calculator can assist you in identifying the best FHA rates today and determining the required downpayment, income levels, credit qualifications, reserves, and documentation necessary for loan approval.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans alongside all other loan products. Delve into options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, examining them against FHA offerings.
Lendersa® sources extensive loan program data from thousands of lenders and quickly matches these options to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Salamanca, within Cattaraugus, NY, showcases the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money products. To thoroughly evaluate qualification necessities like income, reserves, and credit score, employ 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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