New York State 2019 FHA Loan Limits

Last Updated: Wed, January 2, 2019

Loan Limits in New York State

New York has 62 counties with FHA Limits ranging from a low of $314,827 for a 1-bedroom unit in Allegany County to a high of $1,397,400 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 ($605,525)
Highest Loan Limit ($1,397,400)

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

Loan Limits by County in New York State (62 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Albany County $315,100 $605,950 view details »
Allegany County $314,827 $605,525 view details »
Bronx County $726,525 $1,397,400 view details »
Broome County $314,827 $605,525 view details »
Cattaraugus County $314,827 $605,525 view details »
Cayuga County $314,827 $605,525 view details »
Chautauqua County $314,827 $605,525 view details »
Chemung County $314,827 $605,525 view details »
Chenango County $314,827 $605,525 view details »
Clinton County $314,827 $605,525 view details »
Columbia County $314,827 $605,525 view details »
Cortland County $314,827 $605,525 view details »
Delaware County $314,827 $605,525 view details »
Dutchess County $726,525 $1,397,400 view details »
Erie County $314,827 $605,525 view details »
Essex County $314,827 $605,525 view details »
Franklin County $314,827 $605,525 view details »
Fulton County $314,827 $605,525 view details »
Genesee County $314,827 $605,525 view details »
Greene County $314,827 $605,525 view details »
Hamilton County $314,827 $605,525 view details »
Herkimer County $314,827 $605,525 view details »
Jefferson County $314,827 $605,525 view details »
Kings County $726,525 $1,397,400 view details »
Lewis County $314,827 $605,525 view details »
Livingston County $314,827 $605,525 view details »
Madison County $314,827 $605,525 view details »
Monroe County $314,827 $605,525 view details »
Montgomery County $314,827 $605,525 view details »
Nassau County $726,525 $1,397,400 view details »
New York County $726,525 $1,397,400 view details »
Niagara County $314,827 $605,525 view details »
Oneida County $314,827 $605,525 view details »
Onondaga County $314,827 $605,525 view details »
Ontario County $314,827 $605,525 view details »
Orange County $726,525 $1,397,400 view details »
Orleans County $314,827 $605,525 view details »
Oswego County $314,827 $605,525 view details »
Otsego County $314,827 $605,525 view details »
Putnam County $726,525 $1,397,400 view details »
Queens County $726,525 $1,397,400 view details »
Rensselaer County $315,100 $605,950 view details »
Richmond County $726,525 $1,397,400 view details »
Rockland County $726,525 $1,397,400 view details »
St. Lawrence County $314,827 $605,525 view details »
Saratoga County $315,100 $605,950 view details »
Schenectady County $315,100 $605,950 view details »
Schoharie County $315,100 $605,950 view details »
Schuyler County $314,827 $605,525 view details »
Seneca County $314,827 $605,525 view details »
Steuben County $314,827 $605,525 view details »
Suffolk County $726,525 $1,397,400 view details »
Sullivan County $314,827 $605,525 view details »
Tioga County $314,827 $605,525 view details »
Tompkins County $314,827 $605,525 view details »
Ulster County $314,827 $605,525 view details »
Warren County $314,827 $605,525 view details »
Washington County $314,827 $605,525 view details »
Wayne County $314,827 $605,525 view details »
Westchester County $726,525 $1,397,400 view details »
Wyoming County $314,827 $605,525 view details »
Yates County $314,827 $605,525 view details »

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. For 2019, the maximum loan limit in New York is $314,827 for a single-family home and $1,397,400 for a four-plex. Limits varies by county. 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. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in New York. Additional restricts apply. Click on the New York map above or the table below to see loan limits in your area.


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