As of 2025, in Livingston county, NY, covering York, the FHA loan limit is $472,030 for single-family homes. It increases to $604,400 for two-unit homes, $730,525 for three-unit dwellings, and $907,900 for four units.
Conventional loan limits are set at $726,200 for a single-family house, with limits extending to $929,850 for two units, $1,123,900 for three units, and $1,396,800 for four-unit properties.
Check our FHA calculator to find today’s top FHA rates and determine what down payment, income, credit score, reserves, and documents are needed to qualify.
Utilize the Lendersa® calculator to contrast FHA rates and terms with a variety of other loan programs. Compare options among Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money alongside FHA.
Lendersa® quickly analyzes data from numerous lenders to match it with your unique financial profile.
This Loan Limits Comparison Table for 2025 in Livingston county, NY, centered in York, outlines maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. Use Lendersa®'s SLIQ™ (Super Loan Integrated Qualifier) to compare qualification requirements like income, credit, and reserves.
| 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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