New York 62-County 2026 Conforming, High-Balance and FHA Loan Limits
New York is effectively two lending markets, and the 2026 loan limits draw the border. A buyer in Yonkers and a buyer in Utica can…
MARKET RATE DESK
Payment Snapshot
Enter a home price from $1 to $100 million, a down payment from 0–100%, and an interest rate from 0–30%.
Estimated Total Monthly Payment
Principal & Interest$1,593/moEst. Property Tax & Insurance$300/moLoan Amount$252,000
Full Calculator →Snapshot uses annual property tax of 1% of home price and $800/year for homeowners insurance. HOA fees and mortgage insurance are not included; personalize those costs in the full calculator.
Compare Current Mortgage Rates
Compare current APRs, points, fees, and estimated monthly payments from participating lenders below.
SONYMA Down Payment Assistance Loan (DPAL): Forgiveness and Rate Rules
SONYMA's Down Payment Assistance Loan is a second lien that rides behind an Achieving the Dream or Low Interest Rate first…
Loan Programs & Buyer Guides
New York VA Home Loans: Fort Drum, West Point and Veterans Tax Exemptions
New York hosts a wide spread of military communities, from the 10th Mountain Division at Fort Drum to the academy at West Point,…
New York City Mortgage Hub: Co-ops, Condos, Recording Tax and 2026 Limits
New York City is the only part of the state where a conforming mortgage can approach seven figures. The 2026 one-unit high-cost…
Underwriting & Qualification
Manhattan Mortgages: Co-op Post-Closing Liquidity, Mansion Tax and Jumbo Loans
A $1.1 million co-op on the Upper West Side and a $1.1 million condo in Hudson Yards produce nearly opposite closing statements.…
Brooklyn Mortgages: Two-Family Brownstones, Condos and High-Balance Loans
Brooklyn's signature deal is the two-family brownstone: you occupy one unit, rent the other, and let documented lease income help…
Poughkeepsie, Beacon and Middletown Mortgages: Hudson Valley FHA and SONYMA
Buyers comparing Poughkeepsie, Beacon and Middletown often need to solve two different problems: qualifying for the monthly payment…
Colonie, Guilderland and Delmar Mortgages: School Taxes and Conventional Pricing
A buyer moving between Colonie, Guilderland and Delmar may find that the house with the lower asking price does not have the lower…
Refinance, Home Equity & HELOC Desk
New York CEMA Refinance Guide: Splitting Mortgage Recording Tax
A Consolidation, Extension and Modification Agreement is the reason New York refinances are worth doing even when the rate…
New York HELOC and Home Equity Loans: Recording Tax and Second-Lien Rules
Home equity borrowing in New York carries a cost that does not exist in most states. A home equity line of credit is a mortgage, it…
New York Refinance Breakeven Math: CEMA Eligible Loans vs Full Re-Recording
Refinancing in New York carries a cost that exists almost nowhere else: the mortgage recording tax gets charged again on the new…
Rates, APR & Closing Costs Desk
New York Mortgage Recording Tax: NYC vs Upstate Rates and Exemptions
Most states charge a recording fee measured in dollars. New York charges a recording tax measured in percent, and it is assessed on…
New York STAR and Enhanced STAR Property Tax Relief for Homebuyers
New York property taxes are high enough that the School Tax Relief program is a real factor in what you can afford, not a rounding…
New York Condo and Co-op Closing Costs: Recording Tax and Board Fees
New York closing costs are unusual because the largest single charges are taxes, not lender fees. A condo buyer at $1.1 million in…
New York Attorney Closing Timeline: Contract Deposit to Table Funding
New York is an attorney state, and that single fact reshapes the entire purchase calendar. There is no escrow company moving the…
Regional Real Estate & Surrounding Communities
All Service Areas →Run the Numbers
Monthly Mortgage Payment Calculator
Calculate your total monthly PITI payment including principal, interest, property taxes, homeowners insurance, and PMI.
Launch Tool →Home Equity & HELOC Calculator
Estimate your available borrowing power and combined loan-to-value (CLTV) ratio for a home equity loan or HELOC.
Launch Tool →Mortgage Refinance Savings Calculator
Compare your current mortgage against today's rates to estimate monthly payment savings and lifetime interest reduction.
Launch Tool →Closing Cost Estimator
Itemize estimated lender origination fees, title insurance, appraisal charges, and prepaid tax and insurance escrow reserves.
Launch Tool →Mortgage Amortization Schedule Calculator
View your year-by-year principal and interest payoff breakdown and see how extra monthly payments shorten your loan term.
Launch Tool →ARM vs. Fixed-Rate Mortgage Calculator
Compare initial adjustable-rate payments and future rate caps against the stability of a 30-year fixed loan.
Launch Tool →1. Compare Live Rates & APRs
Review current interest rates, APRs, upfront points, and estimated monthly payments from participating lenders in our live rate table.
2. Estimate Your Full Monthly Payment
Use our free PITI, closing cost, and home equity calculators to model property taxes, homeowners insurance, and down payment scenarios.
3. Choose the Right Loan Program
Compare Conventional, FHA, VA, USDA, and state down payment assistance requirements before locking your rate with a lender.
Loan Program Comparison: 2026 Benchmarks
Stoop & Orchard Mortgage Planning — Choose a mortgage by comparing eligibility, upfront cash and total monthly costs, not the advertised rate alone. Conventional, FHA, VA and USDA serve different borrowers. Confirm county limits, taxes, insurance and lender requirements before comparing personalized Loan Estimates for your household.
Historical 2025 one-unit comparison: conforming $806,500; FHA floor $524,225. County and unit-count limits can differ.
| Loan program | Down payment / equity | 2026 one-unit baseline | Costs and page-specific comparison |
|---|---|---|---|
| Conventional | 3%–5% subject to eligibility | $832,750 | PMI generally below 20% down |
| FHA | 3.5% at 580+; 10% at 500–579 | $541,287 floor | 1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years |
| VA | 0% for eligible borrowers | No VA limit with full entitlement | No monthly PMI; funding fee unless exempt |
| USDA | 0% for eligible borrowers | Income, address and repayment eligibility | Guarantee and annual fees; confirm current schedule |
| Jumbo | Lender-specific cash and reserves | Above applicable conforming limit | Lender-specific pricing and insurance |
| Home Equity / Refinance | Equity and underwriting dependent | Property and lender dependent | Compare closing costs, term and break-even |
Sources: FHFA limits; HUD FHA limits.
Editorial Methodology & Primary Sources
Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.
Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.
Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)−n), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.
- Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
- U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
- U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
- Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
- U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.
The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.