New York Conventional Loan Limits by County

Conventional FP

Conventional loans use Fannie Mae or Freddie Mac underwriting guidelines. Unlike FHA loan limits, which can vary widely by County based on the area median income, Conventional minimum loan limits are set nationwide by Fannie Mae.

Conventional loan limits can be exceeded if you are buying a multi family home, or if you are buying in a high cost County. Conventional loans allow as little as a 3% to 5% down payment.

County1 UnitDuplexTriplexFourplex
ALBANY$424,100$543,000$656,350$815,650
ALLEGANY$424,100$543,000$656,350$815,650
BRONX$636,150$814,500$984,525$1,223,475
BROOME$424,100$543,000$656,350$815,650
CATTARAUGUS$424,100$543,000$656,350$815,650
CAYUGA$424,100$543,000$656,350$815,650
CHAUTAUQUA$424,100$543,000$656,350$815,650
CHEMUNG$424,100$543,000$656,350$815,650
CHENANGO$424,100$543,000$656,350$815,650
CLINTON$424,100$543,000$656,350$815,650
COLUMBIA$424,100$543,000$656,350$815,650
CORTLAND$424,100$543,000$656,350$815,650
DELAWARE$424,100$543,000$656,350$815,650
DUTCHESS$636,150$814,500$984,525$1,223,475
ERIE$424,100$543,000$656,350$815,650
ESSEX$424,100$543,000$656,350$815,650
FRANKLIN$424,100$543,000$656,350$815,650
FULTON$424,100$543,000$656,350$815,650
GENESEE$424,100$543,000$656,350$815,650
GREENE$424,100$543,000$656,350$815,650
HAMILTON$424,100$543,000$656,350$815,650
HERKIMER$424,100$543,000$656,350$815,650
JEFFERSON$424,100$543,000$656,350$815,650
KINGS$636,150$814,500$984,525$1,223,475
LEWIS$424,100$543,000$656,350$815,650
LIVINGSTON$424,100$543,000$656,350$815,650
MADISON$424,100$543,000$656,350$815,650
MONROE$424,100$543,000$656,350$815,650
MONTGOMERY$424,100$543,000$656,350$815,650
NASSAU$636,150$814,500$984,525$1,223,475
NEW YORK$636,150$814,500$984,525$1,223,475
NIAGARA$424,100$543,000$656,350$815,650
ONEIDA$424,100$543,000$656,350$815,650
ONONDAGA$424,100$543,000$656,350$815,650
ONTARIO$424,100$543,000$656,350$815,650
ORANGE$636,150$814,500$984,525$1,223,475
ORLEANS$424,100$543,000$656,350$815,650
OSWEGO$424,100$543,000$656,350$815,650
OTSEGO$424,100$543,000$656,350$815,650
PUTNAM$636,150$814,500$984,525$1,223,475
QUEENS$636,150$814,500$984,525$1,223,475
RENSSELAER$424,100$543,000$656,350$815,650
RICHMOND$636,150$814,500$984,525$1,223,475
ROCKLAND$636,150$814,500$984,525$1,223,475
ST. LAWRENCE$424,100$543,000$656,350$815,650
SARATOGA$424,100$543,000$656,350$815,650
SCHENECTADY$424,100$543,000$656,350$815,650
SCHOHARIE$424,100$543,000$656,350$815,650
SCHUYLER$424,100$543,000$656,350$815,650
SENECA$424,100$543,000$656,350$815,650
STEUBEN$424,100$543,000$656,350$815,650
SUFFOLK$636,150$814,500$984,525$1,223,475
SULLIVAN$424,100$543,000$656,350$815,650
TIOGA$424,100$543,000$656,350$815,650
TOMPKINS$424,100$543,000$656,350$815,650
ULSTER$424,100$543,000$656,350$815,650
WARREN$424,100$543,000$656,350$815,650
WASHINGTON$424,100$543,000$656,350$815,650
WAYNE$424,100$543,000$656,350$815,650
WESTCHESTER$636,150$814,500$984,525$1,223,475
WYOMING$424,100$543,000$656,350$815,650
YATES$424,100$543,000$656,350$815,650
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