THE FHA IN New York

FHA loans have been helping New York residents since 1934

An FHA Specialist can offer you a better loan including:

  • Low Down Payment Plans

  • Low Closing Cost

  • Easier Credit Qualifications

  • Lowest Federal Reserve based  Interest Rate

  • 24 Hour Pre-Approval Process

New York First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan program.

Buy a home in New York with help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

New York FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as FHA Mortgage Interest Rates continue to decline.

New York FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending Expert to talk over your financial situation so you are not left to figure out everything on your own.

New York FHA Home Loan

How it works:

√  Determine the type of FHA Government Loan your needs.

√  Complete an easy 2 minute application form.

√  We will forward your application to one and only one FHA Approved Lender who can best help you base.

  • The type of loan you requested
  • Your down-payment (if purchase loan)
  • The location (State) your property is located
  • Your credit history
  • The best rate available for your loan

√  FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you.

√  Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

√  Review with no obligations your FHA Loan Pre-approval and locked rate.

 

Note - It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.

New York FHA Lending Limits 2025

New York Median Home Sale Price Price $522,000

 

CountyOne Unit Two UnitThree Unit Four Unit
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
WYOMING$524,225 $671,200$811,275 $1,008,300
YATES$524,225 $671,200$811,275 $1,008,300