In 2025, the FHA loan limit in the county of Schenectady, Scotia, NY is $472,030 for a single-family home. The limit is set at $604,400 for 2-unit residences, $730,525 for 3-units, and $907,900 for 4-unit properties.
For conventional loans, the maximum for a single-family house is $726,200. This extends to $929,850 for 2-units, $1,123,900 for 3-units, and $1,396,800 for 4-units.
Our FHA calculator is a tool to explore today’s leading FHA rates and to figure out requirements like downpayment, income, credit, reserves, and documents needed for qualification.
The Lendersa® calculator allows you to compare the rates and terms of FHA loans with those of other lending programs. Explore options including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans side by side with FHA.
Lendersa® efficiently amasses loan program data from thousands of lenders, promptly aligning this against your unique financial profile and needs, offering a comprehensive view.
The Loan Limits Comparison Table for 2025 in Scotia, Schenectady, NY shows the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) for a detailed analysis of qualifications like income, reserves, and credit requirements.
| 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
