Home

-

Blog

Stay Informed With Our Blog

By Karl Freund

Updated On

January 12, 2025

2025 FHA Loan Limits for New York

County nameSingle FamilyTwo unitsThree unitsFour units
ALBANY$524,225$671,200$811,275$1,008,300
ALLEGANY$524,225$671,200$811,275$1,008,300
BRONX$1,209,750$1,548,975$1,872,225$2,326,875
BROOME$524,225$671,200$811,275$1,008,300
CATTARAUGUS$524,225$671,200$811,275$1,008,300
CAYUGA$524,225$671,200$811,275$1,008,300
CHAUTAUQUA$524,225$671,200$811,275$1,008,300
CHEMUNG$524,225$671,200$811,275$1,008,300
CHENANGO$524,225$671,200$811,275$1,008,300
CLINTON$524,225$671,200$811,275$1,008,300
COLUMBIA$524,225$671,200$811,275$1,008,300
CORTLAND$524,225$671,200$811,275$1,008,300
DELAWARE$524,225$671,200$811,275$1,008,300
DUTCHESS$524,225$671,200$811,275$1,008,300
ERIE$524,225$671,200$811,275$1,008,300
ESSEX$524,225$671,200$811,275$1,008,300
FRANKLIN$524,225$671,200$811,275$1,008,300
FULTON$524,225$671,200$811,275$1,008,300
GENESEE$524,225$671,200$811,275$1,008,300
GREENE$524,225$671,200$811,275$1,008,300
HAMILTON$524,225$671,200$811,275$1,008,300
HERKIMER$524,225$671,200$811,275$1,008,300
JEFFERSON$524,225$671,200$811,275$1,008,300
KINGS$1,209,750$1,548,975$1,872,225$2,326,875
LEWIS$524,225$671,200$811,275$1,008,300
LIVINGSTON$524,225$671,200$811,275$1,008,300
MADISON$524,225$671,200$811,275$1,008,300
MONROE$524,225$671,200$811,275$1,008,300
MONTGOMERY$524,225$671,200$811,275$1,008,300
NASSAU$1,209,750$1,548,975$1,872,225$2,326,875
NEW YORK$1,209,750$1,548,975$1,872,225$2,326,875
NIAGARA$524,225$671,200$811,275$1,008,300
ONEIDA$524,225$671,200$811,275$1,008,300
ONONDAGA$524,225$671,200$811,275$1,008,300
ONTARIO$524,225$671,200$811,275$1,008,300
ORANGE$524,225$671,200$811,275$1,008,300
ORLEANS$524,225$671,200$811,275$1,008,300
OSWEGO$524,225$671,200$811,275$1,008,300
OTSEGO$524,225$671,200$811,275$1,008,300
PUTNAM$1,209,750$1,548,975$1,872,225$2,326,875
QUEENS$1,209,750$1,548,975$1,872,225$2,326,875
RENSSELAER$524,225$671,200$811,275$1,008,300
RICHMOND$1,209,750$1,548,975$1,872,225$2,326,875
ROCKLAND$1,209,750$1,548,975$1,872,225$2,326,875
SARATOGA$524,225$671,200$811,275$1,008,300
SCHENECTADY$524,225$671,200$811,275$1,008,300
SCHOHARIE$524,225$671,200$811,275$1,008,300
SCHUYLER$524,225$671,200$811,275$1,008,300
SENECA$524,225$671,200$811,275$1,008,300
ST. LAWRENCE$524,225$671,200$811,275$1,008,300
STEUBEN$524,225$671,200$811,275$1,008,300
SUFFOLK$1,209,750$1,548,975$1,872,225$2,326,875
SULLIVAN$524,225$671,200$811,275$1,008,300
TIOGA$524,225$671,200$811,275$1,008,300
TOMPKINS$524,225$671,200$811,275$1,008,300
ULSTER$524,225$671,200$811,275$1,008,300
WARREN$524,225$671,200$811,275$1,008,300
WASHINGTON$524,225$671,200$811,275$1,008,300
WAYNE$524,225$671,200$811,275$1,008,300
WESTCHESTER$1,209,750$1,548,975$1,872,225$2,326,875
Facebook Twitter Instagram

Karl Freund

Facebook Twitter Instagram
About Me

Karl Freund is the current CEO of Kenneth James Realty, as well as a licensed loan originator.  He has been in the lending and real estate industry for 25 years and achieved well over $1 Billion in sales.  He is a graduate of St. Bonaventure University in New York, and a current resident of Phoenix, Arizona.

Related Blog News

See Our Blog

12

January

View the 2025 FHA Loan Limits for Colorado, listed by County....
Learn More

12

January

View the 2025 FHA Loan Limits for Georgia, listed by County...
Learn More

12

January

View the 2025 FHA Loan Limits for Tennessee, listed by County...
Learn More

Related Blog News

12

January

View the 2025 FHA Loan Limits for Colorado, listed by County....
Learn More

12

January

View the 2025 FHA Loan Limits for Georgia, listed by County....
Learn More

12

January

View the 2025 FHA Loan Limits for Tennessee, listed by County....
Learn More

11

January

View the 2025 FHA Loan Limits for Massachusetts, listed by County....
Learn More

11

January

View the 2025 FHA Loan Limits for Pennsylvania, listed by County....
Learn More

11

January

View the 2025 FHA Loan Limits for Oregon, listed by County....
Learn More
See Our Blog

FHA Loan Articles

FHA Loans for Condos

FHA Loan Limits

FHA Eligibility

FHA Property Types

FHA Loan Costs

FHA Streamline Refinance

FHA 203k Loans

FHA Occupancy Requirements

Calculators

Affordability Calculator

FHA Refinance Calculator

Simple Mortgage Calculator

About FHA Loans

FHA Loan Uses

FHA Loan Benefits

FHA Loan Guidelines

FHA Loans for Manufactured

FHA Loan Closing Costs

FHA Rehab Loans

FHA Loans for 4 units

FHArates.com

Contact FHARates.com

All Rights Reserved. FHArates.com is not affiliated or endorsed by the Federal Housing Administration, the Department of Veterans Affairs, or any governmental agency. Equal Housing Opportunity
Copyright © 2025 FHARates.com, Tempe, Arizona

Legal Disclosures

Representative rates are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. Representative rates are valid as of 05/20/2024 and assume a minimum credit score of 740 and loan-to-value ratio of 80%, except for FHA and VA loans which assume a minimum credit score of 680-739 and loan-to-value ratio of 96.5% and 100%, respectively. The Jumbo loan amount shown exceeds the highest conforming loan limit in most state or city locations for which rates are being provided. Currently, a Jumbo loan exceeds $766,550 for a single-family home in all states (except Hawaii and Alaska, and a few federally designated markets where the limit is $1,149,825). Estimated monthly payment amounts displayed are based upon principal and interest only, and taxes and insurance are not included in this estimate; the actual payment obligation may be greater. Not all borrowers will qualify for these rates. Final loan approval is subject to criteria established by a lender, including satisfactory appraisal, title review, and underwriting determination, among other criteria. Rates subject to change without notice. Restrictions apply. 

NOTE: Mortgage rate trends are based on historical rate data and the inputs that you select. Changes to inputs will affect the rate trends shown. Mortgage rate trends displayed are for informational purposes only and represent rate trends over time and are based upon national or state specific averages from lenders quoting on Zillow for preliminary research purposes only.

Mortgage rates are displayed through Zillow Group Marketplace, Inc. (“ZGMI”) a licensed mortgage broker, NMLS #1303160. Zillow Group Marketplace, Inc. does not make loans and this is not a commitment to lend. See current list of state licenses and disclosures here. Please note: Adjustable-rate mortgages (ARMs) are loans with interest rates that change after an initial fixed-rate period.

ZGMI does not aid or assist consumers in obtaining loans, solicit consumers or lenders for loans, offer or negotiate terms of loans, make loans or credit decisions in connection with loans, take applications for credit, or issue pre-approval letters. ZGMI allows consumers to provide certain information to lenders. ZGMI does not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market.

More details about the rates displayed

  • A 3-year ARM loan of $300,000 at 8.35 % APR with a down payment of $75,000 will have a monthly payment of $2,227.
  • A 5-year ARM loan of $300,000 at 7.67 % APR with a down payment of $75,000 will have a monthly payment of $1,923.
  • A 7-year ARM loan of $300,000 at 7.53 % APR with a down payment of $75,000 will have a monthly payment of $1,942.
  • A 10-Year Fixed Rate loan of $300,000 at 5.95 % APR with a down payment of $75,000 will have a monthly payment of $3,299.
  • A 15-Year Fixed Rate loan of $300,000 at 6.13 % APR with a down payment of $75,000 will have a monthly payment of $2,531.
  • A 20-Year Fixed Rate loan of $300,000 at 6.30 % APR with a down payment of $75,000 will have a monthly payment of $2,187.
  • A 30-Year Fixed Rate loan of $300,000 at 6.74 % APR with a down payment of $75,000 will have a monthly payment of $1,929.
  • A 15-Year Fixed Rate FHA loan of $300,000 at 6.88 % APR with a down payment of $10,880 will have a monthly payment of $2,494.
  • A 15-Year Fixed Rate VA loan of $300,000 at 6.25 % APR with a down payment of $0 will have a monthly payment of $2,492.
  • A 30-Year Fixed Rate FHA loan of $300,000 at 7.08 % APR with a down payment of $10,880 will have a monthly payment of $1,798.
  • A 30-Year Fixed Rate VA loan of $300,000 at 6.35 % APR with a down payment of $0 will have a monthly payment of $1,812.
  • A 15-Year Fixed Rate Jumbo loan of $766,551 at 6.84 % APR with a down payment of $191,637 will have a monthly payment of $6,783.
  • A 3-year ARM Jumbo loan of $766,551 at 7.57 % APR with a down payment of $191,637 will have a monthly payment of $4,473.
  • A 30-Year Fixed Rate Jumbo loan of $766,551 at 6.92 % APR with a down payment of $191,637 will have a monthly payment of $5,024.
  • A 5-year ARM Jumbo loan of $766,551 at 7.67 % APR with a down payment of $191,637 will have a monthly payment of $5,054.
  • A 7-year ARM Jumbo loan of $766,551 at 7.48 % APR with a down payment of $191,637 will have a monthly payment of $5,010.
Skip to content