In 2026, FHA loan limits in Sterling, within Cayuga, NY, are $472,030 for a single-family home, $604,400 for two units, $730,525 for three units, and $907,900 for four units.
For conventional loans, the max is $726,200 on a single-family home, $929,850 for two-units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to check today’s top FHA rates, calculating the downpayment, income, credit, reserves, and documents required for qualifications.
The Lendersa® calculator helps you to compare the rates and terms of FHA loans with other loan programs like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® aggregates loan data from thousands of lenders, comparing it against your unique financial needs.
Check the Loan Limits Comparison Table for 2026 in Sterling, Cayuga, NY, to contrast FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification insights like income, reserves, and credit, use 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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