For the year 2026, the FHA loan limit for a single-family home located in Wappingers-Falls of Dutchess, NY, is $356,500. The limit for properties with 2-units is $456,350, for 3-units it's $551,650, and for those with 4-units, it reaches $685,550.
Conversely, the highest loan amount allowed for conventional loans on single-family homes is $726,525. For 2-units, it extends to $930,300, for 3-units it's $1,124,475, and for 4-units, it rises to $1,397,400.
Our FHA calculator is available to show you the most advantageous FHA rates today, along with necessary downpayment information, income requirements, credit score, reserves, and documentation essential for qualification.
The Lendersa® calculator facilitates comparison of FHA rates and terms with those of all other existing lending programs. Investigate and contrast options such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans with the FHA offerings.
Lendersa® collects pertinent loan program data from a wide array of lenders, evaluating it quickly in relation to your personal financial profile and specific needs.
In 2026, the Loan Limits Comparison Table in Wappingers-Falls of Dutchess, NY, allows you to compare maximum loan amounts across various programs, including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For comparing qualifying requirements such as income, reserves, and credit, engage the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,500 | $456,350 | $551,650 | $685,550 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| USDA | $581,220 | $581,220 | $581,220 | $581,220 |
| VA | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| 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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