In 2026, the FHA loan limit for Tonawanda county, Erie, NY, is $472,030 for single-family homes, $604,400 for two-units, $730,525 for three-units, and $907,900 for four-units.
The highest loan amount permitted for conventional loans is $726,200 on a single-family residence, $929,850 for two-units, $1,123,900 for three-units, and $1,396,800 for four-units.
Access today’s leading FHA rates using our FHA calculator to find out the required downpayment, income criteria, credit needs, reserves, and necessary documents for qualification.
The Lendersa® calculator lets you compare FHA rate and terms with other loan products. Consider options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® swiftly gathers loan data from multiple lenders to align calculations with your unique financial profile.
The Loan Limits Comparison Table for 2026 in Tonawanda, Erie, NY shows maximums for FHA, Conventional, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate income, reserves, and credit needs.
| 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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