New York Conventional Loan Limits by County

Fannie Mae and Freddie Mac

Conventional loans follow Fannie Mae or Freddie Mac underwriting guidelines. Conventional minimum loan limits are set nationwide.

Conventional loan limits can be higher than the conforming loan limit in high cost Counties.  High cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.

Conventional loans allow as little as a 3% to 5% down payment when buying your primary residence.

You can find FHA and VA Loan limits here.

Have Questions About Loan Limits? Experts are Standing By!

New York Conventional Loan Limits by County

County1 Unit SFR2 Unit Duplex3 Unit Triplex4 Unit Fourplex
ALBANY$453,100$580,150$701,250$871,450
ALLEGANY$453,100$580,150$701,250$871,450
BRONX$679,650$870,225$1,051,875$1,307,175
BROOME$453,100$580,150$701,250$871,450
CATTARAUGUS$453,100$580,150$701,250$871,450
CAYUGA$453,100$580,150$701,250$871,450
CHAUTAUQUA$453,100$580,150$701,250$871,450
CHEMUNG$453,100$580,150$701,250$871,450
CHENANGO$453,100$580,150$701,250$871,450
CLINTON$453,100$580,150$701,250$871,450
COLUMBIA$453,100$580,150$701,250$871,450
CORTLAND$453,100$580,150$701,250$871,450
DELAWARE$453,100$580,150$701,250$871,450
DUTCHESS$679,650$870,225$1,051,875$1,307,175
ERIE$453,100$580,150$701,250$871,450
ESSEX$453,100$580,150$701,250$871,450
FRANKLIN$453,100$580,150$701,250$871,450
FULTON$453,100$580,150$701,250$871,450
GENESEE$453,100$580,150$701,250$871,450
HAMILTON$453,100$580,150$701,250$871,450
HERKIMER$453,100$580,150$701,250$871,450
JEFFERSON$453,100$580,150$701,250$871,450
KINGS$679,650$870,225$1,051,875$1,307,175
LEWIS$453,100$580,150$701,250$871,450
LIVINGSTON$453,100$580,150$701,250$871,450
MADISON$453,100$580,150$701,250$871,450
MONROE$453,100$580,150$701,250$871,450
MONTGOMERY$453,100$580,150$701,250$871,450
NASSAU$679,650$870,225$1,051,875$1,307,175
NEW YORK$679,650$870,225$1,051,875$1,307,175
NIAGARA$453,100$580,150$701,250$871,450
ONEIDA$453,100$580,150$701,250$871,450
ONONDAGA$453,100$580,150$701,250$871,450
ONTARIO$453,100$580,150$701,250$871,450
ORANGE$679,650$870,225$1,051,875$1,307,175
ORLEANS$453,100$580,150$701,250$871,450
OSWEGO$453,100$580,150$701,250$871,450
OTSEGO$453,100$580,150$701,250$871,450
PUTNAM$679,650$870,225$1,051,875$1,307,175
QUEENS$679,650$870,225$1,051,875$1,307,175
RENSSELAER$453,100$580,150$701,250$871,450
RICHMOND$679,650$870,225$1,051,875$1,307,175
ROCKLAND$679,650$870,225$1,051,875$1,307,175
ST. LAWRENCE$453,100$580,150$701,250$871,450
SARATOGA$453,100$580,150$701,250$871,450
SCHENECTADY$453,100$580,150$701,250$871,450
SCHOHARIE$453,100$580,150$701,250$871,450
SCHUYLER$453,100$580,150$701,250$871,450
SENECA$453,100$580,150$701,250$871,450
STEUBEN$453,100$580,150$701,250$871,450
SUFFOLK$679,650$870,225$1,051,875$1,307,175
SULLIVAN$453,100$580,150$701,250$871,450
TIOGA$453,100$580,150$701,250$871,450
TOMPKINS$453,100$580,150$701,250$871,450
ULSTER$453,100$580,150$701,250$871,450
WARREN$453,100$580,150$701,250$871,450
WASHINGTON$453,100$580,150$701,250$871,450
WAYNE$453,100$580,150$701,250$871,450
WESTCHESTER$679,650$870,225$1,051,875$1,307,175
WYOMING$453,100$580,150$701,250$871,450
YATES$453,100$580,150$701,250$871,450
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