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New York Mortgages

New York FHA Mortgage

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For New York, 45 counties have an FHA loan limit at $271,050, 5 counties are at $292,100 and the remaining 12 counties are at $625,500.

As of January 1, 2014, HUD approves new lower loan limits to take effect for FHA single-family loans. The current standard loan limit for areas where housing costs are relatively low will remain unchanged at $271,050. The new national-ceiling loan limit for the very highest cost areas will be reduced from $729,750 to $625,500. See the chart below for loan limits in your county.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
Albany $292,100 $373,950 $452,000 $561,700 $243,000
Allegany $271,050 $347,000 $419,425 $521,250 $45,000
Bronx $625,500 $800,775 $967,950 $1,202,925 $783,000
Broome $271,050 $347,000 $419,425 $521,250 $113,000
Cattaraugus $271,050 $347,000 $419,425 $521,250 $57,000
Cayuga $271,050 $347,000 $419,425 $521,250 $94,000
Chautauqua $271,050 $347,000 $419,425 $521,250 $75,000
Chemung $271,050 $347,000 $419,425 $521,250 $85,000
Chenango $271,050 $347,000 $419,425 $521,250 $65,000
Clinton $271,050 $347,000 $419,425 $521,250 $113,000
Columbia $271,050 $347,000 $419,425 $521,250 $198,000
Cortland $271,050 $347,000 $419,425 $521,250 $100,000
Delaware $271,050 $347,000 $419,425 $521,250 $100,000
Dutchess $625,500 $800,775 $967,950 $1,202,925 $783,000
Erie $271,050 $347,000 $419,425 $521,250 $107,000
Essex $271,050 $347,000 $419,425 $521,250 $138,000
Franklin $271,050 $347,000 $419,425 $521,250 $67,000
Fulton $271,050 $347,000 $419,425 $521,250 $88,000
Genesee $271,050 $347,000 $419,425 $521,250 $95,000
Greene $271,050 $347,000 $419,425 $521,250 $150,000
Hamilton $271,050 $347,000 $419,425 $521,250 $126,000
Herkimer $271,050 $347,000 $419,425 $521,250 $91,000
Jefferson $271,050 $347,000 $419,425 $521,250 $126,000
Kings $625,500 $800,775 $967,950 $1,202,925 $783,000
Lewis $271,050 $347,000 $419,425 $521,250 $72,000
Livingston $271,050 $347,000 $419,425 $521,250 $145,000
Madison $271,050 $347,000 $419,425 $521,250 $128,000
Monroe $271,050 $347,000 $419,425 $521,250 $145,000
Montgomery $271,050 $347,000 $419,425 $521,250 $83,000
Nassau $625,500 $800,775 $967,950 $1,202,925 $783,000
New York $625,500 $800,775 $967,950 $1,202,925 $783,000
Niagara $271,050 $347,000 $419,425 $521,250 $107,000
Oneida $271,050 $347,000 $419,425 $521,250 $91,000
Onondaga $271,050 $347,000 $419,425 $521,250 $128,000
Ontario $271,050 $347,000 $419,425 $521,250 $145,000
Orange $625,500 $800,775 $967,950 $1,202,925 $783,000
Orleans $271,050 $347,000 $419,425 $521,250 $145,000
Oswego $271,050 $347,000 $419,425 $521,250 $128,000
Otsego $271,050 $347,000 $419,425 $521,250 $111,000
Putnam $625,500 $800,775 $967,950 $1,202,925 $783,000
Queens $625,500 $800,775 $967,950 $1,202,925 $783,000
Rensselaer $292,100 $373,950 $452,000 $561,700 $243,000
Richmond $625,500 $800,775 $967,950 $1,202,925 $783,000
Rockland $625,500 $800,775 $967,950 $1,202,925 $783,000
Saratoga $292,100 $373,950 $452,000 $561,700 $243,000
Schenectady $292,100 $373,950 $452,000 $561,700 $243,000
Schoharie $292,100 $373,950 $452,000 $561,700 $243,000
Schuyler $271,050 $347,000 $419,425 $521,250 $95,000
Seneca $271,050 $347,000 $419,425 $521,250 $88,000
St. Lawrence $271,050 $347,000 $419,425 $521,250 $75,000
Steuben $271,050 $347,000 $419,425 $521,250 $85,000
Suffolk $625,500 $800,775 $967,950 $1,202,925 $783,000
Sullivan $271,050 $347,000 $419,425 $521,250 $97,000
Tioga $271,050 $347,000 $419,425 $521,250 $113,000
Tompkins $271,050 $347,000 $419,425 $521,250 $176,000
Ulster $271,050 $347,000 $419,425 $521,250 $188,000
Warren $271,050 $347,000 $419,425 $521,250 $160,000
Washington $271,050 $347,000 $419,425 $521,250 $160,000
Wayne $271,050 $347,000 $419,425 $521,250 $145,000
Westchester $625,500 $800,775 $967,950 $1,202,925 $783,000
Wyoming $271,050 $347,000 $419,425 $521,250 $96,000
Yates $271,050 $347,000 $419,425 $521,250 $145,000