In 2026, the FHA loan limits for Washington county of Dutchess, NY stand at $472,030 for single-family homes, $604,400 for two units, $730,525 for three units, and $907,900 for four-unit properties.
The cap for conventional loans is $726,525 for a single-family house, escalating to $930,300 for two-unit homes, $1,124,475 for triplexes, and $1,397,400 for quad units.
Use our FHA calculator to discover today’s best FHA rates and determine necessary qualifications such as downpayment, income, credit score, reserves, and required documents.
The Lendersa® calculator enables comparisons between FHA rates and terms and those of various loan programs. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® uses data from thousands of lenders, providing quick matches to your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Washington county of Dutchess, NY details the maximum allowable loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For qualification requirements related to 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 | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| USDA | $581,200 | $581,200 | $581,200 | $581,200 |
| 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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