In 2025, the FHA loan limits for Spencer county, located in Tioga, NY, are set as follows: $472,030 for single-family homes, $604,400 for two-unit residences, $730,525 for three-unit buildings, and $907,900 for those with four units. These limits accommodate various housing needs and ensure access to adequate financing options.
The maximum amounts for conventional loans on single-family homes are $726,200. For properties with two units, it reaches $929,850. For three-unit homes, the cap is $1,123,900, and for buildings with four units, the maximum allowed is $1,396,800. This flexibility caters to diverse property arrangements, ensuring a broader market adaptation.
Use our FHA calculator to find today's most competitive FHA rates, evaluate necessary downpayment, income levels, assess credit needs, and determine reserve funds and documents required for qualification. The tool is designed to simplify the financial evaluation process and prepare applicants thoroughly for the loan application journey.
The Lendersa® calculator provides comprehensive comparisons between FHA rates and terms and those of various other loan programs. These include Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans. Through this comparative analysis, applicants gain a deeper understanding of which financing options align with their requirements.
Lendersa® efficiently gathers extensive loan data from thousands of lenders, quickly matching this information to your financial profile and needs, ensuring expedited decisions.
The Loan Limits Comparison Table for 2025 in Spencer county, Tioga, NY, provides a detailed look at maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. With the Lendersa® Super Loan Integrated Qualifier (SLIQ™), applicants can analyze qualification criteria like income, reserves, and credit. This tool helps streamline the qualification evaluation process, offering insights necessary for informed financial choices.
| 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 | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| 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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