New York FHA Loan Limits 2026

View FHA loan limits for all 62 counties in New York. Select a county below to calculate your FHA monthly payment with local limits applied.

Counties

Lowest Limit

$541,287

Highest Limit

$1,249,125

High-Cost Areas

About 2026 FHA limits: The national floor is $541,287 and the ceiling is $1,249,125.New York has 52 standard-limit counties and 10 high-cost areas. Limits are set by HUD based on median home prices.

FHA Loan Limits by County

County	1-Unit	2-Unit	3-Unit	4-Unit	Type
Albany County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Allegany Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Bronx County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Broome County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cattaraugus Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cayuga County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chautauqua Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chemung County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Chenango Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Clinton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Columbia Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Cortland Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Delaware Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Dutchess Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Erie County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Essex County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Franklin Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Fulton County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Genesee County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Greene County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Hamilton Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Herkimer Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Jefferson Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Kings County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Lewis County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Livingston Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Madison County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Monroe County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Montgomery Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Nassau County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
New York Count	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Niagara County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oneida County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Onondaga Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ontario County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Orange County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Orleans County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Oswego County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Otsego County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Putnam County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Queens County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Rensselaer Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Richmond Count	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Rockland Count	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Saratoga Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Schenectady Co	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Schoharie Coun	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Schuyler Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Seneca County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
St. Lawrence C	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Steuben County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Suffolk County	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Sullivan Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tioga County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Tompkins Count	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Ulster County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Warren County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Washington Cou	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Wayne County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Westchester Co	$1,249,125	$1,599,375	$1,933,200	$2,402,625	High-Cost	Calculate
Wyoming County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate
Yates County	$541,287	$693,050	$837,700	$1,041,125	Standard	Calculate

Calculate Your FHA Payment in New York

Use the calculator below with New York pre-selected. Choose your county to see the exact FHA limit that applies to you.

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FHA Loan Calculator

Calculate FHA loan payments including upfront and monthly mortgage insurance premiums.

Data last updated: January 2026

FHA Loan Details

State

County

Home Price$400,000

$50,000$2,000,000

Down Payment3.5% ($14,000)

3.5%30%

Credit Score Range

Interest Rate

FHA rates are typically similar to conventional rates

Loan Term

Property Tax Rate (Annual)

Your FHA Loan Estimate

Total Monthly Payment

$3,081.61

Principal, interest, MIP, taxes & insurance

Principal & Interest$2,418.26

Monthly MIP$180.01

Property Tax$366.67

Home Insurance$116.67

Total Monthly$3,081.61

FHA Mortgage Insurance

Upfront MIP (1.75%)$6,755

Monthly MIP (0.55%/yr)$180.01/mo

Upfront MIP is financed into the loan. Monthly MIP is required for the life of the loan (for most FHA loans with less than 10% down).

Base Loan Amount

$386,000

Total Loan Amount

$392,755

Including upfront MIP

FHA vs Conventional Comparison

FHA Monthly Payment$3,081.61

Conventional Monthly*$3,085.18

Difference-$3.57/mo

*Conventional estimate assumes same rate with PMI at 0.7% until 20% equity. Actual rates and PMI may vary.

FHA Loan Benefits

Lower credit score requirements (580+ for 3.5% down)
Low down payment (3.5% minimum)
Down payment can come from gifts or grants
More flexible DTI requirements (up to 57%)

Your estimated FHA payment: $3,081.61/mo

FHA rates vary by lender. Get matched with FHA-approved lenders competing for your business.

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Disclaimer: FHA loan limits and MIP rates are subject to change. This calculator uses 2026 HUD data. Verify eligibility with an FHA-approved lender.

Frequently Asked Questions

What is FHA mortgage insurance premium (MIP)?

FHA MIP consists of two parts: an upfront premium of 1.75% of the loan amount (usually financed into the loan) and an annual premium of 0.55% paid monthly. Unlike conventional PMI, FHA MIP typically lasts the life of the loan for loans with less than 10% down.

What are the 2026 FHA loan limits?

For 2026, FHA loan limits range from $541,287 (floor) to $1,249,125 (ceiling) for single-family homes. The exact limit depends on your county. High-cost areas like San Francisco and New York have limits at the ceiling, while most areas are at or near the floor.

How much is FHA MIP in 2026?

In 2026, FHA MIP is 1.75% upfront (financed into the loan) plus 0.55% annually for most loans. On a $300,000 loan, that is $5,250 upfront and approximately $138 per month in ongoing MIP.

What credit score do I need for an FHA loan?

FHA loans require a minimum credit score of 580 for the 3.5% down payment program. Borrowers with scores between 500-579 may qualify with 10% down. Most lenders prefer 620+ for better rates and easier approval.

Can I remove MIP from my FHA loan?

For FHA loans originated after June 2013 with less than 10% down, MIP lasts the life of the loan. To remove it, you would need to refinance into a conventional loan once you have 20% equity. Loans with 10%+ down have MIP for 11 years.

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Understanding FHA Loan Limits in New York

FHA loan limits in New York vary by county and are set annually by the U.S. Department of Housing and Urban Development (HUD). For 2026, New York's single-family FHA limits range from $541,287 to $1,249,125.

The variation in limits reflects differences in median home prices across New York's counties. 10 counties are designated as high-cost areas with limits above the national floor of $541,287.

How FHA Limits Affect Your Home Purchase

The FHA loan limit for your county is the maximum mortgage amount you can obtain with an FHA loan. If you need to borrow more than your county's limit, you may need to consider a conventional loan or make a larger down payment. FHA loans require a minimum 3.5% down payment with a credit score of 580 or higher.

Other States

Looking at other states? Return to the FHA Calculator to explore limits in any state and county across the U.S.