New York State 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.

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

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