2026 loan limits in Chenango County, New York
In Chenango County, a conventional loan up to $832,750 on a one-unit home is conforming. Above that it’s a jumbo loan. FHA loans can go up to $541,287.
Conforming limit (1 unit)$832,750National baseline
FHA limit (1 unit)$541,287National floor
Highest price, 20% down, conforming$1,040,938Loan at the limit
Highest price, 3.5% down, FHA$560,919Loan at the limit
2026 limits by number of units
| Property | Conforming | FHA |
|---|---|---|
| 1 unit | $832,750 | $541,287 |
| 2 units | $1,066,250 | $693,050 |
| 3 units | $1,288,800 | $837,700 |
| 4 units | $1,601,750 | $1,041,125 |
What the limits mean for your purchase
The limit applies to the loan amount, not the price. With 20% down you could buy up to about $1,040,938 in Chenango County and stay conforming; with 10% down, about $925,278. Loans above the limit are jumbo loans, which usually need a higher credit score and more savings. With FHA’s 3.5% minimum down payment, the highest price at the limit is about $560,919.
Questions
What is the 2026 conforming loan limit in Chenango County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Chenango County?
$541,287 for a one-unit home.
More for Chenango County
Chenango County property taxesFHA loan limits toolNew York closing costsAfton 13730 market dataBainbridge 13733 market dataGreene 13778 market dataGuilford 13780 market dataMc Donough 13801 market dataNorth Pitcher 13124 market dataNorwich 13815 market dataOxford 13830 market dataPitcher 13136 market dataPlymouth 13832 market data
2026 limits from HUD’s county files (Non-Metro). Conforming limits are set by the Federal Housing Finance Agency.