In the year 2026, the FHA loan limit for a single-family residence in Trenton county, located in Oneida, NY, stands at $472,030. For two-unit dwellings, the limit is $604,400, for three units, it's $730,525, and for homes with four units, the limit is $907,900.
Conventional loans also have maximum amounts: $726,200 for single-family homes, $929,850 for two-unit structures, $1,123,900 for three-unit buildings, and $1,396,800 for structures with four units.
Try our FHA calculator to uncover today’s best FHA rate offerings. It will help you assess the needed down payment, your income, credit report, reserve details, and required documents for qualification.
With the Lendersa® calculator, compare FHA rate and terms against myriad other loan programs. Analyze and contrast options like Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans alongside FHA choices.
Lendersa® aggregates data from thousands of lenders, enabling a swift comparison against your financial situation and needs.
Refer to the Loan Limits Comparison Table for 2026 in Trenton county, part of Oneida, NY, to review maximum amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money programs. To compare criteria like income, reserves, and credit, utilize Lendersa®'s 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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