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Is this the year that a reverse mortgage or HECM is right for you -- or your parents? Read our comprehensive guide to HECMs and RMs.

Is this the year that a reverse mortgage or HECM is right for you -- or your parents? Read our comprehensive guide to HECMs and RMs.

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

Get FHA mortgage rates

Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Updated: 2/19/2020
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FHA 30 year mortgage rates today from 3.125%

Updated: 2/18/2020
FHA 30 Yr.
FHA 30 Yr.
Rate as low as
3.342%
APR
Rate as low as
3.125%
Rate
$ 857
Monthly Payment
Show Details
Updated: 2/18/2020
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Updated: 2/19/2020
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New York Mortgages

2020 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 2020 FHA Loan Limits for each county in New York are below.

County NameOne FamilyTwo FamilyThree FamilyFour Family
AlbanyOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
AlleganyOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
BronxOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
BroomeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CattaraugusOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CayugaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ChautauquaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ChemungOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ChenangoOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ClintonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
ColumbiaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
CortlandOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
DelawareOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
DutchessOne Family$356,500Two Family$456,350Three Family$551,650Four Family$685,550
ErieOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
EssexOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
FranklinOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
FultonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GeneseeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
GreeneOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HamiltonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
HerkimerOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
JeffersonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
KingsOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
LewisOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
LivingstonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MadisonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MonroeOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
MontgomeryOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
NassauOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
New YorkOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
NiagaraOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OneidaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OnondagaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OntarioOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OrangeOne Family$356,500Two Family$456,350Three Family$551,650Four Family$685,550
OrleansOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OswegoOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
OtsegoOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
PutnamOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
QueensOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
RensselaerOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
RichmondOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
RocklandOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
SaratogaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
SchenectadyOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
SchoharieOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
SchuylerOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
SenecaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
St. LawrenceOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
SteubenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
SuffolkOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
SullivanOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
TiogaOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
TompkinsOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
UlsterOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WarrenOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WashingtonOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WayneOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
WestchesterOne Family$765,600Two Family$980,325Three Family$184,925Four Family$1,472,550
WyomingOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
YatesOne Family$331,760Two Family$424,800Three Family$513,450Four Family$638,100
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