New York State 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in New York State

New York has 62 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Albany County to a high of $1,581,750 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 ($685,400)
Highest Loan Limit ($1,581,750)

† 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 $356,362 $685,400 view details »
Allegany County $356,362 $685,400 view details »
Bronx County $822,375 $1,581,750 view details »
Broome County $356,362 $685,400 view details »
Cattaraugus County $356,362 $685,400 view details »
Cayuga County $356,362 $685,400 view details »
Chautauqua County $356,362 $685,400 view details »
Chemung County $356,362 $685,400 view details »
Chenango County $356,362 $685,400 view details »
Clinton County $356,362 $685,400 view details »
Columbia County $356,362 $685,400 view details »
Cortland County $356,362 $685,400 view details »
Delaware County $356,362 $685,400 view details »
Dutchess County $356,500 $685,550 view details »
Erie County $356,362 $685,400 view details »
Essex County $356,362 $685,400 view details »
Franklin County $356,362 $685,400 view details »
Fulton County $356,362 $685,400 view details »
Genesee County $356,362 $685,400 view details »
Greene County $356,362 $685,400 view details »
Hamilton County $356,362 $685,400 view details »
Herkimer County $356,362 $685,400 view details »
Jefferson County $356,362 $685,400 view details »
Kings County $822,375 $1,581,750 view details »
Lewis County $356,362 $685,400 view details »
Livingston County $356,362 $685,400 view details »
Madison County $356,362 $685,400 view details »
Monroe County $356,362 $685,400 view details »
Montgomery County $356,362 $685,400 view details »
Nassau County $822,375 $1,581,750 view details »
New York County $822,375 $1,581,750 view details »
Niagara County $356,362 $685,400 view details »
Oneida County $356,362 $685,400 view details »
Onondaga County $356,362 $685,400 view details »
Ontario County $356,362 $685,400 view details »
Orange County $356,500 $685,550 view details »
Orleans County $356,362 $685,400 view details »
Oswego County $356,362 $685,400 view details »
Otsego County $356,362 $685,400 view details »
Putnam County $822,375 $1,581,750 view details »
Queens County $822,375 $1,581,750 view details »
Rensselaer County $356,362 $685,400 view details »
Richmond County $822,375 $1,581,750 view details »
Rockland County $822,375 $1,581,750 view details »
St. Lawrence County $356,362 $685,400 view details »
Saratoga County $356,362 $685,400 view details »
Schenectady County $356,362 $685,400 view details »
Schoharie County $356,362 $685,400 view details »
Schuyler County $356,362 $685,400 view details »
Seneca County $356,362 $685,400 view details »
Steuben County $356,362 $685,400 view details »
Suffolk County $822,375 $1,581,750 view details »
Sullivan County $356,362 $685,400 view details »
Tioga County $356,362 $685,400 view details »
Tompkins County $356,362 $685,400 view details »
Ulster County $356,362 $685,400 view details »
Warren County $356,362 $685,400 view details »
Washington County $356,362 $685,400 view details »
Wayne County $356,362 $685,400 view details »
Westchester County $822,375 $1,581,750 view details »
Wyoming County $356,362 $685,400 view details »
Yates County $356,362 $685,400 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 2021, the maximum loan limit in New York is $356,362 for a single-family home and $1,581,750 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