As of 2025, the FHA loan limit for Spackenkill county in Dutchess, NY stands at $472,030 for a single-family home. For two-unit homes, the limit is $604,400; for three-unit properties, it's $730,525; and for four-unit residences, the limit extends to $907,900.
Conversely, in the realm of conventional loans, the maximum accessible loan amount for a single-family residence is $726,525. Two-unit dwellings have a cap of $930,300, three-unit buildings are restricted to $1,124,475, and for properties with four units, the limit is $1,397,400.
To explore the best FHA rates currently available, as well as to calculate necessary down payments, income, credit scores, reserves, and essential documentation for qualification, please utilize our FHA calculator.
The Lendersa® calculator offers a comprehensive comparison of FHA rates and terms against a variety of other loan programs. Use it to analyze and contrast Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA options.
With access to data from thousands of lenders, Lendersa® can rapidly match loan programs to your distinct financial situation and needs.
The Loan Limits Comparison Table for 2025 in Spackenkill county of Dutchess, NY facilitates a comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To examine qualification criteria like income, reserves, and credit, make use of the 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 | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| USDA | $581,200 | $581,200 | $581,200 | $581,200 |
| VA | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| 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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