In 2026, the FHA loan limits for West-Monroe county in Oswego, NY, are: $356,362 for a single-family home, $456,275 for properties with two units, $551,500 for three units, and $685,400 for residences with four units.
The maximum amount for conventional loans on a single-family residence is $548,250. For homes with two units, it is $702,000; for three units, the limit is $848,500; and for buildings with four units, it is $1,054,500.
Utilize our FHA calculator to explore today’s optimal FHA rates and determine the necessary down payment, income levels, credit score, reserves, and documentation needed for qualification.
Lendersa® offers a calculator that enables you to compare FHA rates and terms against those from other loan programs. Examine and explore options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans alongside FHA offers.
Lendersa® draws loan program data from thousands of lenders, allowing rapid comparisons aligned with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in West-Monroe county of Oswego, NY, provides a detailed comparison of maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification criteria like income, reserves, and credit, employ Lendersa®'s Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| 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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