For 2026, within Wayland county of Steuben, NY, the FHA loan limits are specified as follows: $472,030 for a single-family house, $604,400 for properties with two units, $730,525 for those with three units, and $907,900 for residences with four units.
The maximum allowable amount of conventional loans for a single-family home stands at $726,200, which adjusts to $929,850 for properties featuring two units, $1,123,900 for three-unit properties, and $1,396,800 for homes comprising four units.
Access our FHA calculator to review today’s most favorable FHA rates and understand the downpayment requirement, income, credit score, reserves, and documentation necessary for qualification.
Utilize the Lendersa® calculator to compare FHA loan rates and terms against those of other loan programs. Assess options among Conventional loans, Jumbo packages, VA, USDA, Non-QM, and hard money loans, all alongside FHA criteria.
Lendersa® aggregates data from a broad spectrum of lenders and quickly aligns it with your specific financial needs and profile, ensuring an efficient comparative process.
Throughout 2026, the Loan Limits Comparison Table for Wayland, within Steuben, NY, enables a comprehensive look into maximum loan limits for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money options. To assess various qualification criteria such as income requirements, reserve needs, and credit benchmarks, consider employing the Lendersa® Super Loan Integrated Qualifier (SLIQ™) as part of your analysis.
| 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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