| Property Type | Conforming Limit | FHA Limit |
|---|---|---|
| 1-Unit (single-family) | $832,750 | $541,287 |
| 2-Unit (duplex) | $1,066,669 | $693,335 |
| 3-Unit (triplex) | $1,289,930 | $838,454 |
| 4-Unit (fourplex) | $1,602,960 | $1,041,923 |
As of January 1, 2020 (Blue Water Navy Vietnam Veterans Act), VA loans have no loan limits for veterans with full entitlement. This means:
Veterans with remaining entitlement (partial entitlement from prior VA loans) may have limits in high-cost counties. Check with a VA-approved lender for your specific entitlement amount.
This county likely contains USDA-eligible areas. Many rural and suburban properties in this area qualify for USDA Rural Development loans (0% down). Verify your specific address at the USDA eligibility map.
USDA loans offer 100% financing (no down payment), competitive interest rates, and reduced mortgage insurance compared to FHA. Income limits apply — typically up to 115% of area median income.
New York requires a 3-day cooling-off period for home equity loans. Rochester and Buffalo MSAs are subject to additional anti-predatory lending regulations.
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