2026 loan limits in Dutchess County, New York
In Dutchess 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 Dutchess 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 Dutchess County?
$832,750 for a one-unit home.
What is the 2026 FHA loan limit in Dutchess County?
$541,287 for a one-unit home.
More for Dutchess County
Dutchess County property taxesFHA loan limits toolNew York closing costsAmenia 12501 market dataBarrytown 12507 market dataBeacon 12508 market dataChelsea 12512 market dataClinton Corners 12514 market dataDover Plains 12522 market dataFishkill 12524 market dataHolmes 12531 market dataHopewell Junction 12533 market dataHyde Park 12538 market data
2026 limits from HUD’s county files (Kiryas Joel-Poughkeepsie-Newburgh, Ny). Conforming limits are set by the Federal Housing Finance Agency.