Current FHA Mortgage Rates in NY - New York FHA Mortgage

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New York Mortgages

2022 FHA Loan Limits for New York

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners 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.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

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 2022 FHA loan limits for each county in New York are below.

County Name One Family Two Family Three Family Four Family
Albany One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Allegany One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bronx One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Broome One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cattaraugus One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cayuga One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chautauqua One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chemung One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Chenango One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clinton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Columbia One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cortland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Delaware One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dutchess One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Erie One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Essex One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Franklin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fulton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Genesee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Greene One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hamilton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Herkimer One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jefferson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kings One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Lewis One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Livingston One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Madison One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Monroe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Montgomery One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Nassau One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
New York One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Niagara One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Oneida One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Onondaga One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ontario One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Orange One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Orleans One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Oswego One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Otsego One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Putnam One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Queens One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Rensselaer One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Richmond One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Rockland One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Saratoga One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Schenectady One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Schoharie One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Schuyler One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Seneca One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
St. Lawrence One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Steuben One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Suffolk One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Sullivan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Tioga One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Tompkins One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ulster One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Warren One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Washington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wayne One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Westchester One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Wyoming One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Yates One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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