During 2025, the FHA loan thresholds for Whitestown in Oneida county, NY are: $472,030 for a single-family residence, $604,400 for two-unit homes, $730,525 for three-unit houses, and $907,900 for properties with four units.
Conventional loans have set limits at $726,200 for a single-family residence. For two-unit homes, it's $929,850, three-unit buildings are $1,123,900, and four-unit homes reach $1,396,800.
To find today's optimal FHA rates and compute the downpayment, along with figuring out income, credit, reserves, and necessary documentation for loan qualification, use our FHA calculator.
The Lendersa® calculator allows you to compare FHA lending rates and terms against those of other loan products. Dive into options for Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans, comparing them with FHA products.
Lendersa® compiles extensive data from myriad lenders, rapidly aligning and comparing it to your distinctive financial profile and needs.
In 2025, see the Loan Limits Comparison Table for Whitestown within Oneida county, NY, which examines maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To contrast qualification needs like income, reserves, and credit score, use 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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