Dan Green
Dan Green

Dan Green

Homebuyer.com

Dan Green (NMLS 227607) is a licensed mortgage professional who has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. .

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This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.

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This article was checked for accuracy as of December 2, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.

Published: December 2, 2024

2025 Conventional and FHA Mortgage Loan Limits for New York

Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration

New York mortgage loan limits apply in:

2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area
Video Length: 06:51

Historical Charts: Mortgage Loan Limits in New York

New York mortgage loan limits adjust annually to match changes in the FHFA House Price Index.

Conforming Loans
FHA Loans

Mortgage Statistics from New York

New York mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.

Mortgages
Total
Purchase Mortgages (2018-2023)
831,084
Loan Type
Relative Share
Conventional
81.94%
FHA
13.86%
VA
3.52%
USDA
0.68%
Property Type
Relative Share
1-Unit Homes
92.44%
2-Unit Homes
6.56%
3-Unit Homes
0.74%
4-Unit Homes
0.27%
Borrower Status
Relative Share
One Applicant
54.70%
Two or More Applicants
45.30%
Gender
Relative Share
Male
33.26%
Female
23.51%
Joint Sex
37.11%
Not Available
6.12%
Race
Relative Share
American Indian / Alaska Native
0.24%
Asian
11.77%
Black / African American
6.24%
Native Hawaiian / Other Pacific Islander
0.16%
White
65.71%
Mixed Race
2.34%
Other Race
13.54%
Ethnicity
Relative Share
Hispanic or Latino
7.76%
Not Hispanic or Latino
77.37%
Joint Ethnicity
2.11%
Other Ethnicity
12.76%
New York data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act

Mortgage Loan Limits in All New York Counties

2025 conforming and FHA mortgage loan limits for all New York counties. Local loan limits and county-level mortgage data updated regularly.

New York Counties

Bronx County, New York
Kings County, New York
Nassau County, New York
New York County, New York
Putnam County, New York
Queens County, New York
Richmond County, New York
Rockland County, New York
Suffolk County, New York
Westchester County, New York
Dutchess County, New York
Orange County, New York
Albany County, New York
Allegany County, New York
Broome County, New York
Cattaraugus County, New York
Cayuga County, New York
Chautauqua County, New York
Chemung County, New York
Chenango County, New York
Clinton County, New York
Columbia County, New York
Cortland County, New York
Delaware County, New York
Erie County, New York
Essex County, New York
Franklin County, New York
Fulton County, New York
Genesee County, New York
Greene County, New York
Hamilton County, New York
Herkimer County, New York
Jefferson County, New York
Lewis County, New York
Livingston County, New York
Madison County, New York
Monroe County, New York
Montgomery County, New York
Niagara County, New York
Oneida County, New York
Onondaga County, New York
Ontario County, New York
Orleans County, New York
Oswego County, New York
Otsego County, New York
Rensselaer County, New York
St. Lawrence County, New York
Saratoga County, New York
Schenectady County, New York
Schoharie County, New York
Schuyler County, New York
Seneca County, New York
Steuben County, New York
Sullivan County, New York
Tioga County, New York
Tompkins County, New York
Ulster County, New York
Warren County, New York
Washington County, New York
Wayne County, New York
Wyoming County, New York
Yates County, New York
National Data

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© 2021-2024 All rights reserved. Member FDIC. Equal Housing Lender. Novus Home Mortgage, a division of Ixonia Bank, NMLS #423065. The website is not available in Connecticut, New York, Washington, Hawaii, and Alaska. Growella is not licensed or registered to engage in mortgage loan origination activities for mortgage loans on 1-4 family residential properties located in New York. This website is not approved by the state of New York. A self-directed mortgage means the customer provides application information and selects loan terms independently. Guidance from a loan officer is available for informational purposes only. This process is not fully automated and does not increase the likelihood of mortgage approval compared to a typical mortgage application. All applications are subject to standard underwriting and approval criteria. This website has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. US government agencies have not reviewed this information, and this site is not connected with any government agency.