For the year 2026, the FHA loan limits in the county of Seneca, Waterloo, NY, are as follows: for a single-family residence, the limit is $472,030. For a property with two units, it is $604,400, extending to $730,525 for three-unit properties, and reaching $907,900 for properties with four units.
The conventional loan limits also vary. For a single-family home, the cap is set at $726,200, rising to $929,850 for two-unit dwellings, moving up to $1,123,900 for three units, and peaking at $1,396,800 for four units.
To discover the best FHA rates available today and assess the necessary down payment, income levels, credit requirements, reserves, and documentation needed for qualification, be sure to utilize our FHA calculator.
The Lendersa® calculator provides the ability to juxtapose FHA interest rates and terms with those of a myriad of other loan programs. Delve into and compare various options, including Conventional loans, Jumbo loans, VA, USDA, Non-QM, alongside hard money loans, in conjunction with FHA offerings.
By sourcing data from an expansive network of lenders, Lendersa® is able to swiftly align and compare loan programs against the distinct attributes of your financial profile and needs.
For the current year, 2026, in Waterloo, located in Seneca county, NY, utilize the Loan Limits Comparison Table to examine maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. For further comparisons of qualification criteria such as income, reserves, and credit, leverage the Lendersa® Super Loan Integrated Qualifier (SLIQ™), which is designed to accommodate these evaluations.
| 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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