Conforming and High Balance loan limits for most New York (NY) counties went up for 2020. Base conforming loan limit went up to $510,400 and the High Balance loan limit went up to $765,600.

See below the list of all the counties in New York with 2020 loan limits for 1, 2, 3, and 4 Unit properties.

ALBANY COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

ALLEGANY COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

BRONX COUNTY 

  • • 1 Unit – $765,600
  • 2 Unit -$980,325
  • 3 Unit -$1,184,925
  • 4 Unit – $1,472,550

BROOME COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

CATTARAUGUS COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

CAYUGA COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

CHAUTAUQUA COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

CHEMUNG COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

CHENANGO COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

CLINTON COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

COLUMBIA COUNTY  

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

CORTLAND COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

DELAWARE COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

DUTCHESS COUNTY 

  • • 1 Unit – $726,525
  • 2 Unit -$930,300
  • 3 Unit -$1,124,475
  • 4 Unit – $1,397,400

ERIE COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

ESSEX COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

FRANKLIN COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

FULTON COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

GENESEE COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

GREENE COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

HAMILTON COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

HERKIMER COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

JEFFERSON COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

KINGS COUNTY 

  • • 1 Unit – $765,600
  • 2 Unit -$980,325
  • 3 Unit -$1,184,925
  • 4 Unit – $1,472,550

LEWIS COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

LIVINGSTON COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

MADISON COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

MONROE COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

MONTGOMERY COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

NASSAU  COUNTY 

  • • 1 Unit – $765,600
  • 2 Unit -$980,325
  • 3 Unit -$1,184,925
  • 4 Unit – $1,472,550

NEW YORK COUNTY 

  • • 1 Unit – $765,600
  • 2 Unit -$980,325
  • 3 Unit -$1,184,925
  • 4 Unit – $1,472,550

NIAGARA COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

ONEIDA COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

ONONDAGA COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

ONTARIO COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

ORANGE COUNTY 

  • 1 Unit – $726,525
  • 2 Unit -$930,300
  • 3 Unit -$1,124,475
  • 4 Unit – $1,397,400

ORLEANS COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

OSWEGO COUNTY

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

 
OTSEGO COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

PUTNAM COUNTY 

  • • 1 Unit – $765,600
  • 2 Unit -$980,325
  • 3 Unit -$1,184,925
  • 4 Unit – $1,472,550

QUEENS COUNTY 

  • • 1 Unit – $765,600
  • 2 Unit -$980,325
  • 3 Unit -$1,184,925
  • 4 Unit – $1,472,550

RENSSELAER COUNTY 

  • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700
    RICHMOND COUNTY 
  • • 1 Unit – $765,600
  • 2 Unit -$980,325
  • 3 Unit -$1,184,925
  • 4 Unit – $1,472,550

ROCKLAND COUNTY 

  • • 1 Unit – $765,600
  • 2 Unit -$980,325
  • 3 Unit -$1,184,925
  • 4 Unit – $1,472,550

ST. LAWRENCE COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

SARATOGA COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

SCHENECTADY COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

SCHOHARIE COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

SCHUYLER COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

SENECA COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

STEUBEN COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

SUFFOLK COUNTY 

  • • 1 Unit – $765,600
  • 2 Unit -$980,325
  • 3 Unit -$1,184,925
  • 4 Unit – $1,472,550

SULLIVAN COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

TIOGA  COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

TOMPKINS COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

ULSTER COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

WARREN COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

WASHINGTON COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

WAYNE COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

WESTCHESTER COUNTY 

  • • 1 Unit – $765,600
  • 2 Unit -$980,325
  • 3 Unit -$1,184,925
  • 4 Unit – $1,472,550

WYOMING COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700

YATES COUNTY 

  • • 1 Unit – $510,400
  • 2 Unit – $653,550
  • 3 Unit –  $789,950
  • 4 Unit – $981,700