In 2025, the FHA loan limits for Watertown, located in Jefferson, NY, are set at $472,030 for single-family homes, $604,400 for two-unit properties, $730,525 for three-unit residences, and $907,900 for four-unit buildings.
The conventional loan maximums are $726,200 for single-family homes, increasing to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four units.
Use our FHA calculator to find today’s best FHA rates and determine the necessary downpayment, income, credit requirements, reserves, and documentation needed for qualifying.
The Lendersa® calculator enables comparisons of FHA rates and terms with those of other loan programs, including conventional, jumbo, VA, USDA, non-QM, and hard money loans.
Lendersa® compiles extensive data from thousands of lenders, quickly matching it with your individual financial profile and needs.
For 2025, the Loan Limits Comparison Table in Watertown, situated in Jefferson, NY, shows maximum amounts for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgages (HECM), and hard money loans. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to analyze qualification criteria such as income, reserves, and credit.
| 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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