During the year 2026, the FHA loan limitation in Theresa county within Jefferson, NY is set at $472,030 for single-family homes, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit buildings.
Conventional loans also have a maximum amount, which is $726,200 for one-family homes, $929,850 for two-family units, $1,123,900 for three units, and $1,396,800 for properties with four families.
Utilize our FHA calculator to discover the most competitive FHA rates available today and find out the necessary downpayment, income, credit score, reserves, and documentation required for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those of other mortgage programs. Delve into the differences and similarities among Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans as you weigh them against FHA options.
Lendersa® gathers loan program information from a myriad of lenders and swiftly matches it against your personal financial circumstances and objectives.
Refer to the Loan Limits Comparison Table for 2026 in Theresa county of Jefferson, NY to examine and contrast the upper loan limits of FHA, Conventional Conforming, Jumbo, USDA, VA, None-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To analyze eligibility criteria such as income, reserves, and credit, utilize 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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