FHA Loan Limits in New York (NY)

If you live in “The Empire State” of New York and are buying a new home, an FHA-insured mortgage loan might be the right solution for your financing needs. You can also refinance your existing NY mortgage with an FHA loan.

FHA-insured mortgage and refinance loans are often great options for individuals needing to finance a home because of their easy qualification and low down payment requirements. FHA-approved lenders ease their credit restrictions because the federal government insures the loan in the case where a borrower defaults.

Review the chart below to find the maximum loan amount that you can borrow using an FHA loan in New York. The FHA loan limits depend on the NY county where your property is located. There are separate loan limits for 1, 2, 3, and 4 unit properties.

New York FHA Loan Limits by County

New York County: Albany

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	312500	400050	483550	600950

 

New York County: Allegany

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Bronx

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	729750	934200	1129250	1403400

 

New York County: Broome

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Cattaraugus

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Cayuga

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Chautauqua

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Chemung

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Chenango

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Clinton

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Columbia

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	276250	353650	427450	531250

 

New York County: Cortland

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Delaware

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Dutchess

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	443750	568050	686650	853350

 

New York County: Erie

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	276250	353650	427450	531250

 

New York County: Essex

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Franklin

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Fulton

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Genesee

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Greene

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Hamilton

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Herkimer

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Jefferson

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Kings

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	729750	934200	1129250	1403400

 

New York County: Lewis

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Livingston

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Madison

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	281250	360050	435200	540850

 

New York County: Monroe

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Montgomery

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Nassau

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	729750	934200	1129250	1403400

 

New York County: New York

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	729750	934200	1129250	1403400

 

New York County: Niagara

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	276250	353650	427450	531250

 

New York County: Oneida

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Onondaga

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	281250	360050	435200	540850

 

New York County: Ontario

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Orange

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	443750	568050	686650	853350

 

New York County: Orleans

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Oswego

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	281250	360050	435200	540850

 

New York County: Otsego

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Putnam

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	729750	934200	1129250	1403400

 

New York County: Queens

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	729750	934200	1129250	1403400

 

New York County: Rensselaer

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	312500	400050	483550	600950

 

New York County: Richmond

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	729750	934200	1129250	1403400

 

New York County: Rockland

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	729750	934200	1129250	1403400

 

New York County: St. Lawrence

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Saratoga

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	312500	400050	483550	600950

 

New York County: Schenectady

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	312500	400050	483550	600950

 

New York County: Schoharie

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	312500	400050	483550	600950

 

New York County: Schuyler

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Seneca

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Steuben

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Suffolk

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	729750	934200	1129250	1403400

 

New York County: Sullivan

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Tioga

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Tompkins

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Ulster

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	406250	520050	628650	781250

 

New York County: Warren

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Washington

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Wayne

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Westchester

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	729750	934200	1129250	1403400

 

New York County: Wyoming

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250

 

New York County: Yates

Number of Units in property:	1 Unit	2 Units	3 Units	4 Units
FHA Loan Limits:	271050	347000	419425	521250