One-Time Close Loans | FHA, VA, and USDA
Learn all about the VA, USDA, and FHA versions of the One-Time Close Loan.

2021 FHA Loan Limits in NEW YORK tell homebuyers how much borrowing power they have to build a home in their state, city, and county. VA Limits are set by the lenders.

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2021 FHA Loan Limits and VA Lender Limits

Limits for Single Family Home Loans in NEW YORK Counties

The FHA has a maximum loan amount that it will insure, which is known as the FHA lending limit. These loan limits are calculated and updated annually, and are influenced by the conventional loan limits set by Fannie Mae and Freddie Mac. The type of home, such as single-family or duplex, can also affect these numbers.

Loan limits no longer apply to new VA Loans. The Department of Veterans Affairs (commonly referred to as the VA) can now back larger loans than previous allowed. This change doesn't mean that you have unlimited borrowing power. Your lender will still have credit requirements that you need to meet as well as maximum loan amounts based on their own standards. VA lenders establish their own limits based on company policies. The amount we generally see is shown below, labeled as the VA Lender Limit.

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"For 2021, the FHA floor was set at $356,362 for single-family home loans. This minimum lending amount covers 80% of all U.S. counties."

62 match(es) found

ALBANY County
ALBANY-SCHENECTADY-TROY, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ALLEGANY County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
BRONX County
NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
BROOME County
BINGHAMTON, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CATTARAUGUS County
OLEAN, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CAYUGA County
AUBURN, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CHAUTAUQUA County
JAMESTOWN-DUNKIRK-FREDONIA, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CHEMUNG County
ELMIRA, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CHENANGO County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CLINTON County
PLATTSBURGH, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
COLUMBIA County
HUDSON, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
CORTLAND County
CORTLAND, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
DELAWARE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
DUTCHESS County
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,500
ERIE County
BUFFALO-CHEEKTOWAGA, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ESSEX County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FRANKLIN County
MALONE, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
FULTON County
GLOVERSVILLE, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GENESEE County
BATAVIA, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
GREENE County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HAMILTON County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
HERKIMER County
UTICA-ROME, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
JEFFERSON County
WATERTOWN-FORT DRUM, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
KINGS County
NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
LEWIS County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
LIVINGSTON County
ROCHESTER, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MADISON County
SYRACUSE, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MONROE County
ROCHESTER, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
MONTGOMERY County
AMSTERDAM, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
NASSAU County
NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
NEW YORK County
NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
NIAGARA County
BUFFALO-CHEEKTOWAGA, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ONEIDA County
UTICA-ROME, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ONONDAGA County
SYRACUSE, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ONTARIO County
ROCHESTER, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ORANGE County
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,500
ORLEANS County
ROCHESTER, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
OSWEGO County
SYRACUSE, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
OTSEGO County
ONEONTA, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
PUTNAM County
NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
QUEENS County
NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
RENSSELAER County
ALBANY-SCHENECTADY-TROY, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
RICHMOND County
NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
ROCKLAND County
NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
SARATOGA County
ALBANY-SCHENECTADY-TROY, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SCHENECTADY County
ALBANY-SCHENECTADY-TROY, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SCHOHARIE County
ALBANY-SCHENECTADY-TROY, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SCHUYLER County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SENECA County
SENECA FALLS, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ST. LAWRENCE County
OGDENSBURG-MASSENA, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
STEUBEN County
CORNING, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
SUFFOLK County
NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
SULLIVAN County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TIOGA County
BINGHAMTON, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
TOMPKINS County
ITHACA, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
ULSTER County
KINGSTON, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WARREN County
GLENS FALLS, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WASHINGTON County
GLENS FALLS, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WAYNE County
ROCHESTER, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
WESTCHESTER County
NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
VA Lender Limit FHA Loan Limit
$1,000,000 $822,375
WYOMING County
NON-METRO
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362
YATES County
ROCHESTER, NY
VA Lender Limit FHA Loan Limit
$1,000,000 $356,362

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