In 2026, the FHA loan limits in Yonkers county, Westchester, NY are set at $1,089,300 for a single-family home, rising to $1,394,775 for two-unit properties, $1,685,850 for three units, and $2,095,200 for buildings with four units.
For conventional loans, the allowed maximum for a single-family residence is $1,089,300. For two-unit homes, it is $1,394,775; for three units, it's $1,685,850; and for four-unit residences, the cap is at $2,095,200.
Our FHA calculator helps you access today’s prime FHA rates and determine the necessary down payment, income level, credit requirements, reserves, and documentation needed for qualification.
The Lendersa® calculator provides a platform for comparing FHA rates and terms with a broad range of loan programs. Analyze Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Lendersa® efficiently compiles detailed loan program data from many lenders, delivering quick comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in Yonkers county of Westchester, NY offers an assessment of FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan maxima. Evaluate qualification essentials such as income, reserves, and credit using the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| 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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