In 2026, the FHA loan limit in Wales, county of Erie, NY is set at $472,030 for a single-family home. For properties with two units, it is $604,400; for three units, $730,525; and for four units, the limit reaches $907,900.
For conventional loans, the maximum amount for a single-family home is $726,200. For two-unit properties, the limit is $929,850; for three units, $1,123,900; and for four-unit homes, it tops out at $1,396,800.
Use our FHA calculator to discover today’s leading rates and ascertain the necessary downpayment, along with evaluating requirements for income, credit score, reserves, and necessary documents.
Through the Lendersa® calculator, compare the rates and terms of FHA loans with all other programs. Explore Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans along with FHA.
Lendersa® quickly collects loan data from thousands of lenders and compares it against your financial situation to meet your unique needs.
Use the Loan Limits Comparison Table for 2026 in Wales, county of Erie, NY, to evaluate FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For insights into qualification parameters like 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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