For 2026, FHA loan limits in Somers county of Westchester, NY are as follows: $1,089,300 for a single-family home, $1,394,775 for two units, $1,685,850 for three units, and $2,095,200 for four units.
Regarding conventional loans, the maximum for a single-family residence is $1,089,300. For two units, it increases to $1,394,775, for three units, it is $1,685,850, and for four units, $2,095,200.
Use our FHA calculator to find today’s prime FHA rates, calculating downpayment requirements, income, credit, reserves, and documents necessary for qualification.
With Lendersa® calculator, compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and Hard Money loans. Explore these alternatives comprehensively with FHA for informed decisions.
Lendersa® pulls loan data from thousands of lenders, comparing it swiftly with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Somers county of Westchester, NY, shows maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and Hard Money loans. To evaluate qualifications like income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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