In 2026, 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 2026 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 |
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