For 2026, the FHA loan limits in Stanford, part of Dutchess county, NY, are $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit residences, and $907,900 for four-unit buildings.
The ceiling for conventional loan amounts on a single-family home is $726,525. This increases to $930,300 for two-unit homes, $1,124,475 for three-unit properties, and $1,397,400 for four-unit dwellings.
Use our FHA calculator to explore today’s prime FHA rates and determine what's needed for a downpayment, income verification, credit evaluation, reserves, and documents to qualify.
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Utilizing the Lendersa® calculator, you can compare FHA rates and terms with those from a myriad of other loan programs. Evaluate options like Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans against FHA.
Lendersa® pulls loan program data from multiple lenders and aligns it swiftly with your unique financial profile and requirements.
For 2026, the Loan Limits Comparison Table in Stanford, Dutchess, NY, offers a comprehensive view of the highest loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification needs such as income, reserves, and credit specifications.
| 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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