FHA VS Conventional loan programs in Altona, Clinton County, New York

For 2026, the conventional loan limit available in Altona, situated in Clinton county of NY, is $726,200, whereas for a single-family home, the FHA limit is $472,030.

The Lendersa® Conventional loan calculator allows you to contrast today's best rates amongst Conventional, FHA, and USDA loans, evaluating the income, credit, reserves, and documents you'll need for qualification. Our advanced mortgage calculator enables you to view Conforming Conventional, USDA, FHA, and VA loans in a side-by-side comparison, guiding you in selecting the program that best fits your financial situation in NY.

Explore loan offers from 100 different lenders

2026 Loan Limits and Down Payment Requirements in Altona, Clinton County, NY

Loan Type Maximum Loan Amount Minimum Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This data is applicable to the zip codes: 12935

Discovering Conventional and FHA Loan Options in Altona, NY

The aim at Lendersa® is to connect you with the most suitable Conventional, USDA, or FHA loan promptly, ensuring a hassle-free experience. You can choose among three paths to find lender matches and loan programs:

Outcomes from USDA loan requests via Lendersa


  • C 4 D Mortgage Company LLC
  • 100 E Big Beaver Rd, Suite 940, Troy, MI, 48083
  • C4D Mortgage, our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Wayne County Community Federal Credit Union
  • 311 Kaufman Drive, Smithville, OH, 44677
  • Wayne County Community Federal Credit Union was officially organized on June 7, 1966 as the Wayne County School Employees Federal Credit Union. Seven very foresighted school employees (Sam Yelic, Charles Deane, Wayne Kornhaus, Neal Retherford, Fred Kloha, Russell Knight and Kenneth Barton) met on that June date

  • Oakland University Credit Union
  • 2200 N Squirrel Rd, Rochester, MI, 48309
  • MSUFCU was established 84 years ago to provide a safe place where members could borrow and save money. Over the years, we've built a strong foundation of relationships with our members - ultimately helping them achieve their dreams. Our employees live our mission every day to spark those moments for members to find financial freedom and security.

  • Lucrative Home Loans Inc
  • 2490 Walton Boulevard, Suite 101, Rochester, MI, 48309
  • Lucrative Home Loans, Inc. understands that buying a home is more than just a transaction: it’s a life-changing experience. We are committed to getting every client the very best rate and loan every single time. Becoming a one-stop-shop and personalized service for our clients’ convenience, was essential to our many years of success.

  • Gem Home Loans LLC
  • 1675 West Hamlin Road, Rochester, MI, 48309
  • Gem Home Loans is a client-focused lender made up of experienced professionals. We have made the choice to step away from the impersonal big-box banks and in your face marketing machines. We prefer working one-on-one with clients in building customized financial solutions. The person you contact will be the person who you work with throughout.

  • Oxford Bank
  • 60 S. Washington Street, Oxford, MI, 48371
  • Oxford Bank is the oldest commercial bank headquartered in Oxford, Michigan and has operated continuously under local ownership and management since 1884. We manage seven full-service bank branches, and four customer-focused remote offices located throughout Oakland, Genesee, and Lapeer counties.

  • Brick Financial Group LLC
  • 18 N Washington Street, Suite C, Oxford, MI, 48371
  • At Brick Financial Group our main goal is to provide an exceptional value while maintaining high service standards to all members of our extended community. In an ever changing mortgage market, where technology and robot loans are all the rage, we want to be the lender who is for the people, by the people.

  • The Farmers Savings Bank
  • 111 West Main Street, Spencer, OH, 44275
  • The Farmers Savings Bank is a branch office of The Farmers Savings Bank. They provide the following services: Full Service Office Location and are located at 111 West Main Street in Spencer Ohio.
    Mobile and traditional directions to this location can be found below along with ratings, their phone number, online banking website

  • Mid-Atlantic Commercial Capital LLC
  • 210 N Main St, Culpeper, VA, 22701
  • Mid-Atlantic Commercial Capital, LLC is a nationally recognized financial company serving our clients financing needs. In these trying times, most banks have a policy to lend money only to those companies that don’t really need it. Additionally, most banks are one-dimensional and only do one type of financing.

  • JM Mortgage Services LLC
  • 970 Pine Avenue, Lake Orion, MI, 48362
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan

  • Arcadia Lending
  • 329 W 14 Mile Rd, Clawson, MI, 48017
  • "Arcadia Lending is committed to helping you find the best mortgage to fit your needs. We are one of the highest reviewed mortgage companies in the industry.
    Every borrower's situation is different and Arcadia Lending has the range of mortgages to help you secure financing even if you've had troubles elsewhere."

  • Premia Relocation Mortgage
  • 1111 W. Long Lake Road, Suite 102, Troy, MI, 48098
  • Our experienced team has focused on financing the needs of the relocating employee and their employer. Our business is built around the relocation industry. We understand this unique situation and will provide a high-touch, high-tech approach. Our mortgage consultants average 20 years relocation mortgage experience and will work closely.