As 2025 arrives, the FHA loan limits in the region of West-Seneca county, Erie, NY, are defined with $356,362 allocated for single-family homes. For properties with two units, the limit is $456,275, increasing to $551,500 for three-unit properties, and reaching $685,400 for those with four units.
Conversely, conventional loans feature maximum amounts of $548,250 for single-family residences. For homes having two units, the cap is $702,000, for three-unit houses, it's set at $848,500, and for four-unit structures, it is $1,054,500.
Utilize our FHA calculator to discover today's most favorable FHA rates and to ascertain the required downpayment, income bracket, credit standing, reserves, and documentation essential for qualification.
Explore and compare loan offers from an expansive selection of 100 lenders
The Lendersa® calculator is a versatile tool, allowing you to evaluate FHA rates and terms against those of other lending programs. Examine and contrast a multitude of loans—including Conventional, Jumbo, VA, USDA, Non-Qm, and hard money loans—alongside the options provided by FHA.
Data acquisition by Lendersa® spans thousands of lenders, rapidly providing comparisons tailored to your distinct financial profile and personal requirements.
Our Loan Limits Comparison Table for the year 2025 in West-Seneca county within Erie, NY showcases comparisons of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan sizes. To scrutinize qualification criteria such as income, reserves, and credit, employ the Lendersa® 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 |
|
|
|
|
|
|
|
|
|
|
|
FHA Guides
TYPES OF LOANS WE HANDLE:
CITIES CLOSE BY:
"The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night..."
NMLS 1795154
