2026 loan limits in Delaware County, New York
In Delaware 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 Delaware 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 Delaware County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Delaware County?
$541,287 for a one-unit home.
More for Delaware County
Delaware County property taxesFHA loan limits toolNew York closing costsAndes 13731 market dataBloomville 13739 market dataBovina Center 13740 market dataDavenport 13750 market dataDavenport Center 13751 market dataDelancey 13752 market dataDelhi 13753 market dataDenver 12421 market dataDownsville 13755 market dataEast Branch 13756 market data
2026 limits from HUD’s county files (Non-Metro). Conforming limits are set by the Federal Housing Finance Agency.