In the year 2026, the FHA loan limits in Southeast, located in the county of Putnam, NY, are established as follows: $1,089,300 is applicable for a single-family home, $1,394,775 for properties with two units, $1,685,850 for buildings consisting of three units, and $2,095,200 for structures with four units.
As for conventional loans, the maximum lending amount is set at $1,089,300 for single-family homes. For two-unit properties, the limit is $1,394,775, for three-unit residences it's $1,685,850, and for four-unit homes, it reaches $2,095,200.
Utilize our versatile FHA calculator to discover today's most competitive FHA rates and to evaluate the necessary downpayment, income levels, credit standings, reserves, and documentation required for qualification.
The Lendersa® calculator provides a comprehensive tool for comparing the rates and terms of FHA loans with all other loan program offerings. Delve into a variety of choices including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in comparison with FHA options.
Lendersa® collects and analyzes extensive loan data from thousands of lenders, efficiently matching it against your personal financial profile and unique requirements in mere seconds.
Within 2026, refer to the Loan Limits Comparison Table for Southeast located in Putnam county, NY. This table compares the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For a detailed comparison of qualification requirements such as income, credit, and reserves, leverage 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 | $776,600 | $776,600 | $776,600 | $776,600 |
| 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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