FHA Loan Limits in Richmond County, New York (2026)
From Richmond County, FHA buyers in Richmond County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the Northeast.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Richmond County — Richmond County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Kings and Queens Counties.
What can you buy with FHA in Richmond County?
With Richmond County's median sale price estimated near $518,000 (think Richmond County), the FHA down payment is roughly $18,130. Factoring New York property taxes near 1.72%, expect about $4,220 monthly, pointing to income near $163,000 — above New York's $81,386 median household income, so budget carefully.
FHA payment scenarios in Richmond County
Whether you are buying in Richmond County or a smaller Richmond County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $373,000 | $13,055 | $3,071 |
| Local median — $518,000 | $18,130 | $4,220 |
| At the FHA limit — $541,287 | $18,945 | $4,404 |
Estimates include FHA MIP plus New York property taxes and insurance. Rates move daily near Richmond County too — get notified.
Buyers across Richmond County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $18,130 down payment near Richmond County into little out of pocket.
Multi-unit FHA limits in Richmond County
Investors and house-hackers in Richmond County and across Richmond County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Richmond County for 2026?
- In Richmond County (Richmond County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Richmond County with FHA?
- For a median-priced ($518,000) Richmond County home, plan on income around $163,000 at a 31% housing ratio — about $4,220/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Richmond County?
- 3.5% with a 580+ score — roughly $18,130 on a $518,000 Richmond County-area home. Gift funds are allowed.
- Is Richmond County a high-cost FHA area?
- No — Richmond County uses the $541,287 national floor for one unit.