New York State FHA Loan Limits

Last Updated: Thu, December 28, 2017

Loan Limits in New York State

New York has 62 counties with FHA Limits ranging from a low of $294,515 for a 1-bedroom unit in Allegany County to a high of $1,307,175 for a 4-bedroom unit in Bronx County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of New York's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($566,425)
Highest Loan Limit ($1,307,175)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

How to qualify for an FHA Loan in New York State?

To qualify for an FHA loan in New York, your home loan must be below the local FHA loan limits in your area. The maximum loan limit in New York is $1,307,175 for a 4 living-unit home. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. FHA loans cannot be used for real estate investment purposes or "flipping" homes in New York. Click on the New York map above or the table below to see loan limits in your area.

Loan Limits by County in New York State (62)

County Lowest Loan Limit Highest Loan Limit
Albany County $303,600 $583,850 view loan limits »
Allegany County $294,515 $566,425 view loan limits »
Bronx County $679,650 $1,307,175 view loan limits »
Broome County $294,515 $566,425 view loan limits »
Cattaraugus County $294,515 $566,425 view loan limits »
Cayuga County $294,515 $566,425 view loan limits »
Chautauqua County $294,515 $566,425 view loan limits »
Chemung County $294,515 $566,425 view loan limits »
Chenango County $294,515 $566,425 view loan limits »
Clinton County $294,515 $566,425 view loan limits »
Columbia County $294,515 $566,425 view loan limits »
Cortland County $294,515 $566,425 view loan limits »
Delaware County $294,515 $566,425 view loan limits »
Dutchess County $679,650 $1,307,175 view loan limits »
Erie County $294,515 $566,425 view loan limits »
Essex County $294,515 $566,425 view loan limits »
Franklin County $294,515 $566,425 view loan limits »
Fulton County $294,515 $566,425 view loan limits »
Genesee County $294,515 $566,425 view loan limits »
Greene County $294,515 $566,425 view loan limits »
Hamilton County $294,515 $566,425 view loan limits »
Herkimer County $294,515 $566,425 view loan limits »
Jefferson County $294,515 $566,425 view loan limits »
Kings County $679,650 $1,307,175 view loan limits »
Lewis County $294,515 $566,425 view loan limits »
Livingston County $294,515 $566,425 view loan limits »
Madison County $294,515 $566,425 view loan limits »
Monroe County $294,515 $566,425 view loan limits »
Montgomery County $294,515 $566,425 view loan limits »
Nassau County $679,650 $1,307,175 view loan limits »
New York County $679,650 $1,307,175 view loan limits »
Niagara County $294,515 $566,425 view loan limits »
Oneida County $294,515 $566,425 view loan limits »
Onondaga County $294,515 $566,425 view loan limits »
Ontario County $294,515 $566,425 view loan limits »
Orange County $679,650 $1,307,175 view loan limits »
Orleans County $294,515 $566,425 view loan limits »
Oswego County $294,515 $566,425 view loan limits »
Otsego County $294,515 $566,425 view loan limits »
Putnam County $679,650 $1,307,175 view loan limits »
Queens County $679,650 $1,307,175 view loan limits »
Rensselaer County $303,600 $583,850 view loan limits »
Richmond County $679,650 $1,307,175 view loan limits »
Rockland County $679,650 $1,307,175 view loan limits »
St. Lawrence County $294,515 $566,425 view loan limits »
Saratoga County $303,600 $583,850 view loan limits »
Schenectady County $303,600 $583,850 view loan limits »
Schoharie County $303,600 $583,850 view loan limits »
Schuyler County $294,515 $566,425 view loan limits »
Seneca County $294,515 $566,425 view loan limits »
Steuben County $294,515 $566,425 view loan limits »
Suffolk County $679,650 $1,307,175 view loan limits »
Sullivan County $294,515 $566,425 view loan limits »
Tioga County $294,515 $566,425 view loan limits »
Tompkins County $294,515 $566,425 view loan limits »
Ulster County $294,515 $566,425 view loan limits »
Warren County $294,515 $566,425 view loan limits »
Washington County $294,515 $566,425 view loan limits »
Wayne County $294,515 $566,425 view loan limits »
Westchester County $679,650 $1,307,175 view loan limits »
Wyoming County $294,515 $566,425 view loan limits »
Yates County $294,515 $566,425 view loan limits »

** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/new-york