In the year 2025, the FHA loan limit for a single-family home in the county of Oneida, located in Vernon, NY stands at $472,030. For properties with two units, the limit is $604,400, for three units it reaches $730,525, and for four-unit homes, the cap is $907,900.
The highest allowable amount for a conventional loan on a single-family residence is $726,200. For two-unit dwellings, it's set at $929,850, for three-unit properties, $1,123,900, and for four units, $1,396,800.
Use our FHA calculator to explore today’s prime FHA interest rates and understand the required qualifications including down payment, income, credit scores, reserves, and all necessary documentation.
The Lendersa® calculator equips you to compare FHA loan rates and terms against all other available loan programs. Delve into various loan options including Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, enabling you to make informed comparisons.
By quickly acquiring loan program data from a multitude of lenders, Lendersa® effectively compares it with your specific financial profile for an optimal match.
For 2025 in Vernon county of Oneida, NY, the Loan Limits Comparison Table allows the evaluation of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To investigate qualification prerequisites like income, reserves, and credit, use 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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