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Mortgage rates are moving again! Where are they headed? See our newest Two-Month Forecast for Mortgage Rates.

Mortgage rates are moving again! Where are they headed? See our newest Two-Month Forecast for Mortgage Rates.

Current FHA Mortgage Rates in New York : HSH.com's FHA/VA Showcase

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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New York Mortgages

2019 FHA Loan Limits for New York

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

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2019 FHA loan limits for each county in New York are below.

County NameOne FamilyTwo FamilyThree FamilyFour Family
AlbanyOne Family$315,100Two Family$403,350Three Family$487,600Four Family$605,950
AlleganyOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
BronxOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
BroomeOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
CattaraugusOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
CayugaOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ChautauquaOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ChemungOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ChenangoOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ClintonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
ColumbiaOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
CortlandOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
DelawareOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
DutchessOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
ErieOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
EssexOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
FranklinOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
FultonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
GeneseeOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
GreeneOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
HamiltonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
HerkimerOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
JeffersonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
KingsOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
LewisOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
LivingstonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
MadisonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
MonroeOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
MontgomeryOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
NassauOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
New YorkOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
NiagaraOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
OneidaOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
OnondagaOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
OntarioOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
OrangeOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
OrleansOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
OswegoOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
OtsegoOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
PutnamOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
QueensOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
RensselaerOne Family$315,100Two Family$403,350Three Family$487,600Four Family$605,950
RichmondOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
RocklandOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
SaratogaOne Family$315,100Two Family$403,350Three Family$487,600Four Family$605,950
SchenectadyOne Family$315,100Two Family$403,350Three Family$487,600Four Family$605,950
SchoharieOne Family$315,100Two Family$403,350Three Family$487,600Four Family$605,950
SchuylerOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
SenecaOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
St. LawrenceOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
SteubenOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
SuffolkOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
SullivanOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
TiogaOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
TompkinsOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
UlsterOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
WarrenOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
WashingtonOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
WayneOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
WestchesterOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
WyomingOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525
YatesOne Family$314,827Two Family$403,125Three Family$487,250Four Family$605,525