For the year 2026, the FHA loan limit in Sennett county, part of Cayuga, NY, is set at $472,030 for a single-family home. For 2-units, the cap is $604,400, increasing to $730,525 for 3-units, and reaching $907,900 for 4-unit properties.
The highest allowable amount for conventional loans on a single-family residence is $726,200. This goes up to $929,850 for 2-unit homes, $1,123,900 for triplexes, and $1,396,800 for four-unit residences.
Take advantage of our FHA calculator to explore the best FHA rates available today and see what downpayment, income, credit score, reserves, and documentation are required for qualification.
The Lendersa® calculator lets you compare FHA rates and terms against all other loan programs. Explore a wide range of options, including Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans juxtaposed with FHA.
Lendersa® swiftly collects loan program data from vast numbers of lenders and quickly matches it to your specific financial profile and needs.
The Loan Limits Comparison Table for 2026 in Sennett county, within Cayuga, NY, compares FHA with Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. For detailed comparison of qualification factors like income, reserves, and credit, use 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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