For 2026, the FHA loan limits in Shelby county of Orleans, NY are set at $472,030 for a single-family home, $604,400 for a two-unit property, $730,525 for three units, and $907,900 for four units.
Regarding conventional loans, the upper limit stands at $726,200 for single-family homes. This increases to $929,850 for duplexes, $1,123,900 for triplexes, and $1,396,800 for a four-unit building.
Use our FHA calculator to view today’s top FHA rates and determine necessary qualifications like downpayment, income, credit score, reserves, and any required documentation.
The Lendersa® calculator helps you compare FHA rates and terms with an array of other loan program options, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, alongside FHA.
Lendersa® compiles data from many lenders and quickly aligns it to your specific financial needs and profile, allowing for a timely comparison.
For 2026, our Loan Limits Comparison Table in Shelby county of Orleans, NY details maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To review requirements like income, reserves, and credit standards, utilize 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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