New York State 2020 FHA Loan Limits

Last Updated: Thu, January 2, 2020

Loan Limits in New York State

New York has 62 counties with FHA Limits ranging from a low of $331,760 for a 1-bedroom unit in Albany County to a high of $1,472,550 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 ($638,100)
Highest Loan Limit ($1,472,550)

† 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 $331,760 $638,100 view details »
Allegany County $331,760 $638,100 view details »
Bronx County $765,600 $1,472,550 view details »
Broome County $331,760 $638,100 view details »
Cattaraugus County $331,760 $638,100 view details »
Cayuga County $331,760 $638,100 view details »
Chautauqua County $331,760 $638,100 view details »
Chemung County $331,760 $638,100 view details »
Chenango County $331,760 $638,100 view details »
Clinton County $331,760 $638,100 view details »
Columbia County $331,760 $638,100 view details »
Cortland County $331,760 $638,100 view details »
Delaware County $331,760 $638,100 view details »
Dutchess County $356,500 $685,550 view details »
Erie County $331,760 $638,100 view details »
Essex County $331,760 $638,100 view details »
Franklin County $331,760 $638,100 view details »
Fulton County $331,760 $638,100 view details »
Genesee County $331,760 $638,100 view details »
Greene County $331,760 $638,100 view details »
Hamilton County $331,760 $638,100 view details »
Herkimer County $331,760 $638,100 view details »
Jefferson County $331,760 $638,100 view details »
Kings County $765,600 $1,472,550 view details »
Lewis County $331,760 $638,100 view details »
Livingston County $331,760 $638,100 view details »
Madison County $331,760 $638,100 view details »
Monroe County $331,760 $638,100 view details »
Montgomery County $331,760 $638,100 view details »
Nassau County $765,600 $1,472,550 view details »
New York County $765,600 $1,472,550 view details »
Niagara County $331,760 $638,100 view details »
Oneida County $331,760 $638,100 view details »
Onondaga County $331,760 $638,100 view details »
Ontario County $331,760 $638,100 view details »
Orange County $356,500 $685,550 view details »
Orleans County $331,760 $638,100 view details »
Oswego County $331,760 $638,100 view details »
Otsego County $331,760 $638,100 view details »
Putnam County $765,600 $1,472,550 view details »
Queens County $765,600 $1,472,550 view details »
Rensselaer County $331,760 $638,100 view details »
Richmond County $765,600 $1,472,550 view details »
Rockland County $765,600 $1,472,550 view details »
St. Lawrence County $331,760 $638,100 view details »
Saratoga County $331,760 $638,100 view details »
Schenectady County $331,760 $638,100 view details »
Schoharie County $331,760 $638,100 view details »
Schuyler County $331,760 $638,100 view details »
Seneca County $331,760 $638,100 view details »
Steuben County $331,760 $638,100 view details »
Suffolk County $765,600 $1,472,550 view details »
Sullivan County $331,760 $638,100 view details »
Tioga County $331,760 $638,100 view details »
Tompkins County $331,760 $638,100 view details »
Ulster County $331,760 $638,100 view details »
Warren County $331,760 $638,100 view details »
Washington County $331,760 $638,100 view details »
Wayne County $331,760 $638,100 view details »
Westchester County $765,600 $1,472,550 view details »
Wyoming County $331,760 $638,100 view details »
Yates County $331,760 $638,100 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 2020, the maximum loan limit in New York is $331,760 for a single-family home and $1,472,550 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