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FHA Mortgage Refinance rates in New York

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3.500% Rate

FHA 30 Yr.

3.721% APR

$898 / month (est)

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Updated 9/21/2018

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4.750% Rate

FHA 30 Yr.

5.548% APR

$1,195 / month (est)

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Updated 9/23/2018

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4.750% Rate

FHA 30 Yr.

5.548% APR

$1,195 / month (est)

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Updated 9/23/2018

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New York Mortgages

2018 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.

For New York, 45 counties have an FHA loan limit at $294,515, 5 counties are at $303,600 and the remaining 12 counties are at $679,650.

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 2018 FHA loan limits for each county in New York are below.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Albany$303,600$388,650$469,800$583,850
Allegany$294,515$377,075$455,800$566,425
Bronx$679,650$870,225$1,051,875$1,307,175
Broome$294,515$377,075$455,800$566,425
Cattaraugus$294,515$377,075$455,800$566,425
Cayuga$294,515$377,075$455,800$566,425
Chautauqua$294,515$377,075$455,800$566,425
Chemung$294,515$377,075$455,800$566,425
Chenango$294,515$377,075$455,800$566,425
Clinton$294,515$377,075$455,800$566,425
Columbia$294,515$377,075$455,800$566,425
Cortland$294,515$377,075$455,800$566,425
Delaware$294,515$377,075$455,800$566,425
Dutchess$679,650$870,225$1,051,875$1,307,175
Erie$294,515$377,075$455,800$566,425
Essex$294,515$377,075$455,800$566,425
Franklin$294,515$377,075$455,800$566,425
Fulton$294,515$377,075$455,800$566,425
Genesee$294,515$377,075$455,800$566,425
Greene$294,515$377,075$455,800$566,425
Hamilton$294,515$377,075$455,800$566,425
Herkimer$294,515$377,075$455,800$566,425
Jefferson$294,515$377,075$455,800$566,425
Kings$679,650$870,225$1,051,875$1,307,175
Lewis$294,515$377,075$455,800$566,425
Livingston$294,515$377,075$455,800$566,425
Madison$294,515$377,075$455,800$566,425
Monroe$294,515$377,075$455,800$566,425
Montgomery$294,515$377,075$455,800$566,425
Nassau$679,650$870,225$1,051,875$1,307,175
New York$679,650$870,225$1,051,875$1,307,175
Niagara$294,515$377,075$455,800$566,425
Oneida$294,515$377,075$455,800$566,425
Onondaga$294,515$377,075$455,800$566,425
Ontario$294,515$377,075$455,800$566,425
Orange$679,650$870,225$1,051,875$1,307,175
Orleans$294,515$377,075$455,800$566,425
Oswego$294,515$377,075$455,800$566,425
Otsego$294,515$377,075$455,800$566,425
Putnam$679,650$870,225$1,051,875$1,307,175
Queens$679,650$870,225$1,051,875$1,307,175
Rensselaer$303,600$388,650$469,800$583,850
Richmond$679,650$870,225$1,051,875$1,307,175
Rockland$679,650$870,225$1,051,875$1,307,175
Saratoga$303,600$388,650$469,800$583,850
Schenectady$303,600$388,650$469,800$583,850
Schoharie$303,600$388,650$469,800$583,850
Schuyler$294,515$377,075$455,800$566,425
Seneca$294,515$377,075$455,800$566,425
St. Lawrence$294,515$377,075$455,800$566,425
Steuben$294,515$377,075$455,800$566,425
Suffolk$679,650$870,225$1,051,875$1,307,175
Sullivan$294,515$377,075$455,800$566,425
Tioga$294,515$377,075$455,800$566,425
Tompkins$294,515$377,075$455,800$566,425
Ulster$294,515$377,075$455,800$566,425
Warren$294,515$377,075$455,800$566,425
Washington$294,515$377,075$455,800$566,425
Wayne$294,515$377,075$455,800$566,425
Westchester$679,650$870,225$1,051,875$1,307,175
Wyoming$294,515$377,075$455,800$566,425
Yates$294,515$377,075$455,800$566,425