2026 loan limits in Chautauqua County, New York
In Chautauqua 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 Chautauqua 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 Chautauqua County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Chautauqua County?
$541,287 for a one-unit home.
More for Chautauqua County
Chautauqua County property taxesFHA loan limits toolNew York closing costsAshville 14710 market dataBemus Point 14712 market dataBrocton 14716 market dataCassadaga 14718 market dataCeloron 14720 market dataChautauqua 14722 market dataCherry Creek 14723 market dataClymer 14724 market dataDewittville 14728 market dataDunkirk 14048 market data
2026 limits from HUD’s county files (Jamestown-Dunkirk, Ny). Conforming limits are set by the Federal Housing Finance Agency.