In the year 2025, within the county of Albany, in Westmere, NY, the FHA loan limits are specified at $472,030 for a single-family home. For properties with two units, the limit is $604,400, $730,525 applies for three-unit buildings, and $907,900 is set for four-unit residences.
The ceiling for conventional loans on a single-family home is $726,200. For two-unit homes, it’s $929,850, then $1,123,900 for three-unit dwellings, reaching $1,396,800 for four-unit properties.
Utilize our FHA calculator to discover today’s top FHA rates and establish the downpayment, required income, credit score, reserves, and documents for loan qualification.
The Lendersa® calculator offers powerful insights into comparing the rates and terms of FHA loans with all other loan programs. Evaluate across options such as Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in tandem with FHA.
Lendersa® compiles loan data from a vast network of lenders, swiftly integrating this information to match your distinct financial profile.
Review the Loan Limits Comparison Table for 2025 in Westmere, Albany, NY, which compares maximum allowed amounts across various options like FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To evaluate qualification standards involving income, reserves, and credit, try the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| 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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