In 2026, the FHA loan limit in Spencerport county, Monroe, NY, is established at $472,030 for a single-family home. For two-unit properties, it's $604,400; for three units, the limit is $730,525; and for four-unit residences, it extends to $907,900.
The maximum loan amount allowed for conventional loans on a single-family residence is $726,200. For two-unit properties, this increases to $929,850; for three units, it's $1,123,900; and for four-unit homes, it is capped at $1,396,800.
Utilize our FHA calculator to explore today’s top FHA rates, and evaluate the essential downpayment, income requirements, credit reserves, and necessary documents to qualify.
Using the Lendersa® calculator, you can easily compare FHA rates and terms with those of all other loan programs available. Delve into comparison options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, all alongside FHA offerings.
Lendersa® swiftly gathers loan program data from a multitude of lenders, efficiently aligning it with your distinct financial profile and needs to provide accurate comparisons.
The Loan Limits Comparison Table for 2026 in Spencerport, located in Monroe county, NY, offers detailed insights into maximum loan amounts among FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To thoroughly compare qualification needs, such as income, reserves, and credit criteria, rely on 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 | $726,200 | $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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