In 2025, the FHA loan limits for Utica county of Oneida, NY are structured as follows: $472,030 for a single-family home, $604,400 for 2-unit properties, $730,525 for 3-unit buildings, and $907,900 for properties with 4 units.
As for conventional loans, the highest possible amount for a single-family residence is $726,200. For 2-unit dwellings, it is $929,850; for 3-unit homes, the limit is $1,123,900; and for 4-unit properties, the cap is $1,396,800.
Check out today’s optimal FHA rates using our FHA calculator, which helps determine the necessary downpayment, income credentials, credit score, reserves, and documents to qualify.
Lendersa® calculator provides a tool to compare FHA rates and terms with other loan programs. Explore FHA alongside Conventional loans, Jumbo loans, VA, USDA, Non-Qm, and hard money options.
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The 2025 Loan Limits Comparison Table in Utica county of Oneida, NY offers comparisons for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. To assess qualification requirements 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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