For 2026, the FHA loan limit for Scriba county in Oswego, NY is set at $472,030 for single-family homes, $604,400 for properties with two units, $730,525 for three-unit buildings, and $907,900 for four-unit structures.
The upper limit for conventional loans spans from $726,200 for single-family residences to $929,850 for duplexes, while triplexes have a cap of $1,123,900, and four-unit homes are capped at $1,396,800.
To discover today’s best FHA rates, use our FHA calculator. It also provides insight into required down payments, income, credit scores, reserves, and necessary documents for qualification.
With the Lendersa® calculator, you can compare FHA rates and terms with a variety of other loan programs. Options such as conventional, jumbo, VA, USDA, non-QM, and hard money loans can be examined alongside FHA offerings.
Lendersa® utilizes an extensive pool of lender data to rapidly align and compare it against your specific financial scenario and needs, allowing for tailored and efficient decisions.
The 2026 Loan Limits Comparison Table for Scriba county of Oswego, NY includes maximum loan values for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money lending products. To deeply compare qualifications like income, reserves, and credit, leverage 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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