Explore the differences! FHA VS Conventional loan programs in Adams, Jefferson County, New York

In 2025, Convetional loan limit in Adams, county of Jefferson, NY is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NY is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Adams, county of Jefferson, NY

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 13606, 13605

Conventional and FHA loan options in Adams, NY

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Statewide Mortgage Services
  • 12881 Knott St, Suite 107, California, CA, 92841
  • We are a California Based Mortgage Broker that rate shops for you. We find you the best deal and product and we have a transparent mortgage process. We take pride in our work and Value every borrower - our goal is to create life long relationships. Our mission is to serve our customers with honesty, integrity and competence.
  • Southland Mortgage Services
  • 8422 Cerulean Drive, Garden Grove, CA, 92841
  • Southland Mortgage Services founder of the John Rasmussen Specializing in the first-time buyer and self-employed, John has been doing business in the Orange County beach cities and all of Southern and Northern California for over 35-years. John works hard to help people realize the American dream, home ownership.
  • PACIFIC BAY LENDING GROUP
  • 7390 Lincoln Way, Garden Grove, CA, 92841
  • Pacific Bay Lending Group (NMLS# 192103) is a full-service national mortgage lender and agency direct seller. We originate loans through various channels, including wholesale lending and correspondent lending offering agency direct, FHA, Jumbo, non-QMs and portfolio loan products, specifically Alt-A and Stated.
  • Bridge Capital Home Loans
  • 221 E. Glenoaks Blvd, Suite 225A, Glendale, CA, 91207
  • Bridge Capital Home Loans is a boutique mortgage brokerage based out of Glendale CA. With over 30 years of combined experience in the lending industry, our team of experienced agents offers specialized and mortgage services with competitive rates, low down payment options and personalized service.
  • OBMortgage
  • 4665 Coronado Ave, San Diego, CA, 92107
  • OBMortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best possible loan. We represent a wide variety of lenders ranging from "A" rated lenders with first quality rates to private "hardship" lenders.
  • Century Home Lending
  • 12362 Beach Blvd, Suite 20, Stanton, CA, 90680
  • Century Home Lending is a mortgage brokerage, we are delivering the most competitive interest rates for home loans and refinance. Reduce your rate-Lower your payment-Pay off mortgage faster-Consolidate debts-Your first home-Your second homes-Investment homes-Gets cash-out for second homes-College cost-Emergency planing and Reduce your rate-Lower yo
  • Del Financial, Inc.
  • 11508 Rosecrans Ave, Norwalk, CA, 90650
  • Del Financial, Inc, a Southern California based mortgage corporation, was founded in 1981 and incorporated in 1996. We have over 30 years of professional mortgage experience; our management team, associates, and staff have flourished through every type of market fluctuation and have continually delivered great service
  • Choicelend.com
  • 12362 Beach Boulevard, Suite 20, Stanton, CA, 90680
  • "At Choicelend.com our philosophy is pretty simple, deliver the best mortgage rates with the least amount of hassle. We are consumers just like you, we shop around, we order online, and we read reviews. We believe you should be able to shop for the best mortgage rate online without being forced to give up your information and anonymity."
  • America Smart Home
  • 8942 Garden Grove Boulevard, Suite 207, Garden Grove, CA, 92844
  • At America Smart Home, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Lend A Hand Inc
  • 3334 E Coast Hwy, Suite 234, Corona Del Mar, CA, 92625
  • "At Lend a Hand, we treat our clients well. We have proudly built our success as a Mortgage lender with the philosophy that our customers always come first. Borrowers satisfied with their mortgage loan are more important to us than anything else. At Lend A Hand, our goal has always been making the loan process simple and worry-free."
  • CMA Financial Group
  • 2852 East Coast Highway, Corona Del Mar, CA, 92625
  • CMA Financial Group mission statement is to continually focus on the needs of those for whom we serve. Our all-encompassing approach to mortgage lending allows us to immerse ourselves in a multitude of mortgage lending situations. This experience and dedication empowers our staff to fulfill our fiduciary duty while adhering to our strict standards.
  • Merchants Home Lending
  • 2305 Historic Decatur, Suite 100, San Diego, CA, 92106
  • Merchants Home Lending opened to serve the active and retired military personnel in the State of California. With 50 combined years of experience, Merchants has assisted over 1800 military families purchase a home. Merchants is a proud sponsor of the Wounded Warriors Project and USO.