In 2026, FHA loan limits for White-Plains, located in Westchester, NY, are as follows: $822,375 for a single-family home, $1,053,000 for two-unit properties, $1,272,750 for three-unit buildings, and $1,581,750 for four-unit residences.
The maximum conventional loan amounts are $822,375 for single-family homes, $1,053,000 for two units, $1,272,750 for three units, and $1,581,750 for four-unit homes.
Use our FHA calculator to discover today’s best FHA rates and find out what downpayment, income, credit, reserves, and documents you need to qualify.
The Lendersa® calculator lets you compare FHA rates and terms with those of other loan types, including conventional, jumbo, VA, USDA, non-QM, and hard money options.
Lendersa® swiftly gathers program data from thousands of lenders, aligning it with your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in White-Plains, within Westchester, NY, displays maximums for FHA, conventional conforming, jumbo, USDA, VA, non-QM, super jumbo, reverse mortgage (HECM), and hard money loans. Assess requirements like income, reserves, and credit with the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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