$832,750–$1,209,750
The one-unit conforming limit varies by county-equivalent area. This cap applies to the loan, not the sale price.
Compare New York mortgage rates—and the costs behind them.
There is no single mortgage rate for every New York borrower. Match the loan type, amount, points and lock period before comparing written offers. Then check your county’s loan limit, property expenses and assistance terms so a smaller estimate does not hide a larger bill.
Educational coverage does not guarantee an available originator. You choose whether to share contact details.
What should a New York mortgage shopper check first?
Start with the property’s county or equivalent area, the number of units, and the lender’s authority to originate your loan.
62 areas
The highest one-unit limit appears in Bronx County, Kings County, Nassau County and other areas. Look up the actual property below.
New York State Homes and Community Renewal
Use the agency’s current information to check programs and participating lenders.
Visit the housing agency ↗Sources: FHFA’s 2026 county table and NCSHA’s state agency directory. Checked September 20, 2026.
2026 New York conforming loan limits by county
Use the property’s exact jurisdiction and unit count. Being below the limit does not establish approval, a down-payment requirement or a rate; ask whether a quote uses standard conforming, high-balance or jumbo pricing.
62 of 62 areas shown. Source: FHFA 2026 county table. Search changes this table only.
| County or equivalent area | Maximum loan amount |
|---|---|
| Albany County | $832,750 |
| Allegany County | $832,750 |
| Bronx County | $1,209,750 |
| Broome County | $832,750 |
| Cattaraugus County | $832,750 |
| Cayuga County | $832,750 |
| Chautauqua County | $832,750 |
| Chemung County | $832,750 |
| Chenango County | $832,750 |
| Clinton County | $832,750 |
| Columbia County | $832,750 |
| Cortland County | $832,750 |
| Delaware County | $832,750 |
| Dutchess County | $832,750 |
| Erie County | $832,750 |
| Essex County | $832,750 |
| Franklin County | $832,750 |
| Fulton County | $832,750 |
| Genesee County | $832,750 |
| Greene County | $832,750 |
| Hamilton County | $832,750 |
| Herkimer County | $832,750 |
| Jefferson County | $832,750 |
| Kings County | $1,209,750 |
| Lewis County | $832,750 |
| Livingston County | $832,750 |
| Madison County | $832,750 |
| Monroe County | $832,750 |
| Montgomery County | $832,750 |
| Nassau County | $1,209,750 |
| New York County | $1,209,750 |
| Niagara County | $832,750 |
| Oneida County | $832,750 |
| Onondaga County | $832,750 |
| Ontario County | $832,750 |
| Orange County | $832,750 |
| Orleans County | $832,750 |
| Oswego County | $832,750 |
| Otsego County | $832,750 |
| Putnam County | $1,209,750 |
| Queens County | $1,209,750 |
| Rensselaer County | $832,750 |
| Richmond County | $1,209,750 |
| Rockland County | $1,209,750 |
| St. Lawrence County | $832,750 |
| Saratoga County | $832,750 |
| Schenectady County | $832,750 |
| Schoharie County | $832,750 |
| Schuyler County | $832,750 |
| Seneca County | $832,750 |
| Steuben County | $832,750 |
| Suffolk County | $1,209,750 |
| Sullivan County | $832,750 |
| Tioga County | $832,750 |
| Tompkins County | $832,750 |
| Ulster County | $832,750 |
| Warren County | $832,750 |
| Washington County | $832,750 |
| Wayne County | $832,750 |
| Westchester County | $1,209,750 |
| Wyoming County | $832,750 |
| Yates County | $832,750 |
County-equivalent names follow FHFA’s table, including parishes, boroughs, planning regions and independent cities. Confirm the property’s jurisdiction with your lender. FHA limits are separate.
Original FHFA table, all counties (PDF) · Current FHFA releases · HUD’s separate FHA limit lookup. This is a dated 2026 reference, not a live underwriting feed.
Where should I look for New York down-payment help?
New York State Homes and Community Renewal is the state housing-agency starting point listed by NCSHA. A directory listing does not mean every program is open or every applicant qualifies.
Ask for two complete options
Request a written comparison with and without assistance. Include the first mortgage’s rate and fees, the assistance balance, any monthly payment, and the amount due if you sell or refinance. Cash saved today and total financing cost are different questions.
- Is this a grant, forgivable loan or repayable second mortgage?
- Are there income, purchase-price, location or first-time-buyer rules?
- Which lenders are approved, and is homebuyer education required?
- What happens when you move, sell, refinance or repay early?
How can I compare New York quotes without misleading totals?
Keep property costs and timing assumptions consistent, then compare lender-controlled pricing and the cost over your expected time in the loan.
| Check | Ask for | Why it matters |
|---|---|---|
| Rate, points and credits | The same loan amount, structure and lock period | A rate bought with points is not the same offer as a zero-point quote. |
| Property taxes | The actual jurisdiction and an estimate appropriate to the purchase | Ask the local tax authority whether the seller’s exemptions or assessment will apply to you. |
| Insurance and association costs | A property-specific insurance quote, deductibles, HOA dues and known assessments | Ask about required flood or other coverage; generic monthly placeholders can understate the budget. |
| Title, settlement and government charges | An itemized provider estimate and who pays each charge | Confirm local charges and contract allocations instead of assuming one statewide closing-cost percentage. |
| Prepaids and escrow | The same closing date, insurance premium and tax assumptions | Lower reserves or fewer prepaid days can reduce cash to close without improving the loan price. |
See the CFPB Loan Estimate explainer. Use the SLR comparison worksheet to keep estimates organized.
How do I verify a New York loan officer?
Match the person’s NMLS identifier, company and current licensing or registration record in NMLS Consumer Access. Confirm authority for your property state; bank originators and state-licensed originators can have different registration structures. If the record is unclear, check with the listed regulator before sending sensitive documents.
SLR’s educational pages do not confer licensing or represent every lender. Check participating originators and decide separately whom to contact.
Where can I see current mortgage-rate context?
The market dashboard labels national benchmarks by source and observation date. Those figures are not measured New York rates or available loan offers. Reprice your own scenario with the lender when your property, loan details or lock timing changes.
Find the right starting point in New York
Buying your first home?
Compare a lender’s document review, communication and experience with assistance programs. Check current programs and approved lenders with New York State Homes and Community Renewal before counting on funds.
Use the first-time buyer comparison →Working through credit challenges?
Ask which loan programs fit your complete file and whether the lender has requirements beyond the program minimum. State assistance eligibility and mortgage approval are separate reviews.
Prepare a credit and mortgage plan →Choosing between loan officers?
Compare written terms for the same New York property and verify current licensing or registration. A directory listing does not establish the lowest price or represent every provider.
Build a lender comparison →Browse participating New York originators →
Considering a refinance? Compare costs and your payoff timeline. Exploring home equity? Check combined payments and repayment terms before borrowing.
New York mortgage questions
What is the 2026 conforming loan limit in New York?
The 2026 one-unit limit ranges from $832,750 to $1,209,750 across New York. Look up the property’s actual county or county-equivalent area and unit count below. This is a loan-amount limit, not a purchase-price cap or an approval.
Where can I find New York homebuyer assistance information?
Start with New York State Homes and Community Renewal, listed in NCSHA’s state agency directory. Ask about currently open programs, approved lenders, income and purchase-price limits, education, and whether assistance must be repaid. Agency listing does not establish your eligibility or program funding.
Are the rates on this page actual New York offers?
No. The market link provides dated national benchmarks. An actual New York quote requires your loan and property details, current lender pricing and a defined lock period. Educational coverage of this state does not guarantee an available SLR originator.