State loan-limit landscape
New York 2026 county loan-limit landscape
How conforming and FHA one-unit limits vary across New York counties and how borrowers can use them responsibly.
Source: Federal Housing Finance Agency + U.S. Department of Housing and Urban Development
Last updated . Article facts reviewed through this date. Time-sensitive figures show their own as-of dates.
New York's statewide summary covers 62 county or county-equivalent records. In practical terms, within those records, the 2026 one-unit conforming limit runs from $832,750 to $1,209,750. That range may still help borrowers see why the property county must be identified before a loan amount is assigned a conforming or jumbo category. For the decision at hand, the $832,750 to $1,209,750 range confirms that one conforming ceiling does not apply uniformly across New York. The 62 record count keeps the range tied to the statewide source coverage in place of an assumed national rule. The $832,750 to $1,209,750 amounts classify loan size within the published program table; they do not establish a borrower's capacity, a property's value, or the price of financing. Before using the $1,209,750 statewide maximum, county, legal unit count, and expected base loan amount must be known.
A useful next step is to verify the selected property's New York county or county-equivalent area, legal unit count, price, down-payment plan, and expected base loan amount. In practical terms, then compare that amount with the exact official row, using the $832,750 to $1,209,750 conforming range and $541,287 to $1,249,125 FHA range only as orientation. The 10 above-baseline count explains why this lookup matters, but it does not replace it.