For 2025, FHA loan limits in Shrub-Oak county, Westchester, NY stand at $822,375 for a single-family home. Limits are set at $1,053,000 for two-unit residences, $1,272,750 for three-unit properties, and $1,581,750 for four-unit homes.
The maximum loan amounts for conventional loans on a single-family home are $822,375, changing to $1,053,000 for two-unit homes, $1,272,750 for three-unit structures, and $1,581,750 for four-unit buildings.
Utilize our FHA calculator to discover today’s top FHA rates and ascertain the necessary downpayment, income, credit level, reserves, and documents needed to qualify.
The Lendersa® calculator allows for comparison of FHA rates and terms with those of various other loan programs. Investigate options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® aggregates loan data from thousands of lenders, offering quick comparisons tailored to your financial needs and profile.
The Loan Limits Comparison Table for 2025 in Shrub-Oak county, Westchester, NY enables comparison of maximum loan limits across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate necessary qualifications like income, reserves, and credit standards, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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