In 2026, the FHA loan limits in Stephentown county of Rensselaer, NY are: $472,030 for a single-family home, $604,400 for two-unit properties, $730,525 for three-unit dwellings, and $907,900 for four-unit buildings.
The maximum amount for conventional loans on a single-family residence is $726,200. For two-unit properties, it's $929,850; for three-unit homes, the limit is $1,123,900; and for four-unit buildings, it goes up to $1,396,800.
Use our FHA calculator to access today’s best FHA rates, helping you determine necessary downpayments, income levels, credit requirements, reserves, and the documents you need to qualify.
Utilize the Lendersa® calculator to compare FHA rates and terms with those of other loan programs, including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® collects extensive data from thousands of lenders and provides rapid comparisons that align with your distinct financial profile and needs.
The Loan Limits Comparison Table for 2026 in Stephentown county of Rensselaer, NY showcases comparisons across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan amounts. To review qualifications like income, reserves, and credit, employ 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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