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2023 NEW YORK STATE CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| ALBANY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ALLEGANY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| BRONX COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| BROOME COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CATTARAUGUS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CAYUGA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CHAUTAUQUA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CHEMUNG COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CHENANGO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CLINTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| COLUMBIA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| CORTLAND COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| DELAWARE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| DUTCHESS COUNTY | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| ERIE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ESSEX COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| FRANKLIN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| FULTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GENESEE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| GREENE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HAMILTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| HERKIMER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| JEFFERSON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| KINGS COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| LEWIS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| LIVINGSTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MADISON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONROE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| MONTGOMERY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| NASSAU COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| NEW YORK COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| NIAGARA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ONEIDA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ONONDAGA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ONTARIO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ORANGE COUNTY | $726,525 | $930,300 | $1,124,475 | $1,397,400 |
| ORLEANS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| OSWEGO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| OTSEGO COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| PUTNAM COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| QUEENS COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| RENSSELAER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| RICHMOND COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| ROCKLAND COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| ST. LAWRENCE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SARATOGA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SCHENECTADY COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SCHOHARIE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SCHUYLER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SENECA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| STEUBEN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| SUFFOLK COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| SULLIVAN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TIOGA COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| TOMPKINS COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| ULSTER COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WARREN COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WASHINGTON COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WAYNE COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| WESTCHESTER COUNTY | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| WYOMING COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| YATES COUNTY | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
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SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES AROUND NEW YORK
Neighborhoods
Upper East Side, Cobble Hill, Forest Hills, Dumbo, Tribeca, Carnegie Hill, Flatiron District, Union Square North, Lenox Hill, Greenwich Village & Soho, Lower West Village, Bridgehampton, Financial District, NoHo, Nomad, Hudson Square, Chelsea, Battery Park City, Theatre District / Times Square, Central Midtown & Carroli Gardens.
Zip Codes
11962, 10012, 10013, 10065, 11976, 11975, 11932, 10011, 10014, 10006, 10075, 11201, 10128, 10036 & 10280
Counties
New York County, Westchester County, Nassau County, Putnam County, Suffolk County, Rockland County, Saratoga County, Columbia County, Dutchess County, Albany County, Richmond County, Hamilton County, Ulster County, Ontario County & Orange County.