In 2025, the FHA loan limit in Unadilla county of Otsego, NY is $472,030 for a single-family home. For two-unit homes, the limit is $604,400; for three units, $730,525; and for four-unit buildings, it is $907,900.
The maximum loan amount for conventional loans on a single-family residence is $726,200. For two units, it is capped at $929,850; for three units, it reaches $1,123,900; and for four units, it's $1,396,800.
Utilize our FHA calculator to see today's best FHA rates and identify the needed down payment, income level, credit, reserves, and documents required for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with those from all other loan programs. Analyze options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® gathers extensive data from thousands of lenders and quickly aligns it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Unadilla county of Otsego, NY provides a detailed look at maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare criteria like income, reserves, and credit, use 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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