For 2025, the FHA loan limits in Westmoreland county, Oneida, NY are set as follows: $472,030 for a single-family home, $604,400 for duplexes, $730,525 for triplexes, and $907,900 for four-unit properties.
The highest loan amounts available under conventional loans for a single-family home are $726,200. For two-unit homes, it's $929,850, for three-unit residences, $1,123,900, and for four-unit properties, $1,396,800.
Our FHA calculator is a convenient tool to find today's most competitive FHA rates, helping you determine the appropriate downpayment, income levels, credit requirements, reserves, and necessary documentation to qualify.
The Lendersa® calculator allows for direct comparison of FHA rates and terms with those of other loan options. You can review various programs including Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, alongside FHA offerings.
Lendersa® efficiently collects loan data from thousands of lenders, providing quick comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Westmoreland, located in Oneida, NY, allows a comparison of maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To evaluate qualification necessities like income, credit, and reserves, utilize 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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