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

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FHA Mortgage Refinance rates in New York

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Rates as low as

3.625% Rate

FHA 30 Yr.

Rates as low as

3.869% APR

$684 / month (est)

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Updated 5/24/2019

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Rates as low as

4.125% Rate

FHA 30 Yr.

Rates as low as

4.906% APR

$840 / month (est)

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Updated 5/26/2019

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Mortgage Rates from 2.7%
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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
Albany$315,100$403,350$487,600$605,950
Allegany$314,827$403,125$487,250$605,525
Bronx$726,525$930,300$1,124,475$1,397,400
Broome$314,827$403,125$487,250$605,525
Cattaraugus$314,827$403,125$487,250$605,525
Cayuga$314,827$403,125$487,250$605,525
Chautauqua$314,827$403,125$487,250$605,525
Chemung$314,827$403,125$487,250$605,525
Chenango$314,827$403,125$487,250$605,525
Clinton$314,827$403,125$487,250$605,525
Columbia$314,827$403,125$487,250$605,525
Cortland$314,827$403,125$487,250$605,525
Delaware$314,827$403,125$487,250$605,525
Dutchess$726,525$930,300$1,124,475$1,397,400
Erie$314,827$403,125$487,250$605,525
Essex$314,827$403,125$487,250$605,525
Franklin$314,827$403,125$487,250$605,525
Fulton$314,827$403,125$487,250$605,525
Genesee$314,827$403,125$487,250$605,525
Greene$314,827$403,125$487,250$605,525
Hamilton$314,827$403,125$487,250$605,525
Herkimer$314,827$403,125$487,250$605,525
Jefferson$314,827$403,125$487,250$605,525
Kings$726,525$930,300$1,124,475$1,397,400
Lewis$314,827$403,125$487,250$605,525
Livingston$314,827$403,125$487,250$605,525
Madison$314,827$403,125$487,250$605,525
Monroe$314,827$403,125$487,250$605,525
Montgomery$314,827$403,125$487,250$605,525
Nassau$726,525$930,300$1,124,475$1,397,400
New York$726,525$930,300$1,124,475$1,397,400
Niagara$314,827$403,125$487,250$605,525
Oneida$314,827$403,125$487,250$605,525
Onondaga$314,827$403,125$487,250$605,525
Ontario$314,827$403,125$487,250$605,525
Orange$726,525$930,300$1,124,475$1,397,400
Orleans$314,827$403,125$487,250$605,525
Oswego$314,827$403,125$487,250$605,525
Otsego$314,827$403,125$487,250$605,525
Putnam$726,525$930,300$1,124,475$1,397,400
Queens$726,525$930,300$1,124,475$1,397,400
Rensselaer$315,100$403,350$487,600$605,950
Richmond$726,525$930,300$1,124,475$1,397,400
Rockland$726,525$930,300$1,124,475$1,397,400
Saratoga$315,100$403,350$487,600$605,950
Schenectady$315,100$403,350$487,600$605,950
Schoharie$315,100$403,350$487,600$605,950
Schuyler$314,827$403,125$487,250$605,525
Seneca$314,827$403,125$487,250$605,525
St. Lawrence$314,827$403,125$487,250$605,525
Steuben$314,827$403,125$487,250$605,525
Suffolk$726,525$930,300$1,124,475$1,397,400
Sullivan$314,827$403,125$487,250$605,525
Tioga$314,827$403,125$487,250$605,525
Tompkins$314,827$403,125$487,250$605,525
Ulster$314,827$403,125$487,250$605,525
Warren$314,827$403,125$487,250$605,525
Washington$314,827$403,125$487,250$605,525
Wayne$314,827$403,125$487,250$605,525
Westchester$726,525$930,300$1,124,475$1,397,400
Wyoming$314,827$403,125$487,250$605,525
Yates$314,827$403,125$487,250$605,525