In 2026, the FHA loan limits for South-Lockport in the county of Niagara, NY, are: $356,362 for a single-family home, $456,275 for two units, $551,500 for three units, and $685,400 for four-unit properties.
The highest loan amounts for conventional loans on a single-family dwelling are $548,250. For two-unit homes, the limit is $702,000; for three units, it is $848,500; and for four units, the cap extends to $1,054,500.
With our FHA calculator, discover today’s leading FHA rates and determine the downpayment, income, credit, reserves, and documents required for qualification.
Use the Lendersa® calculator to assess FHA rate and terms alongside other loan programs. Delve into and compare loans such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money with FHA loans.
Lendersa® collects comprehensive loan data from thousands of lenders, providing quick comparisons tailored to your financial profile.
The 2026 Loan Limits Comparison Table for South-Lockport within Niagara county, NY, presents a comparison for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Evaluate qualification criteria like income, reserves, and credit via the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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