Explore the differences! FHA VS Conventional loan programs in Amherst, Erie County, New York

In 2025, Convetional loan limit in Amherst, county of Erie, 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 Amherst, county of Erie, 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: 14261, 14068, 14221, 14226, 14228, 14051, 14231, 14260, 14265

Conventional and FHA loan options in Amherst, 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


  • GC GLOBAL CAPITAL, INC
  • 11600 N Miller Rd, Scottsdale, AZ, 85260
  • At GC Global Capital, INC, 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.
  • FORMULA MORTGAGE CAPITAL CORPORATION
  • 16420 N. 92nd St, Suite 220, Scottsdale, AZ, 85260
  • The Formula Mortgage Capital Corporation team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically
  • WAIN CAPITAL LLC
  • 15721 North Greenway Hayden Loop, Suite 102, Scottsdale, AZ, 85260
  • Wain Capital is a Mortgage Brokerage, with extensive experience and licenses in Arizona, California and Colorado. As an independent mortgage broker we specialize exclusively in home loans but give more options and have more products than your traditional lenders. Constantly analyzing the mortgage bonds and treasury markets
  • INTENT MORTGAGE, LLC
  • 7590 E. Gray Rd, Suite 104, Scottsdale, AZ, 85260
  • Intent Mortgage stays ahead of the competition by leveraging modern technology to increase efficiency and ultimately, home buyer satisfaction. "Low Rate, Consumer First Mortgage Lending"​ isn't just our dual Mission Statement - it's a promise we make to our clients that we intend to keep.
  • NSB Mortgage
  • 14362 North Frank Lloyd Wright Blvd, Suite 1000, Scottsdale, AZ, 85260
  • At NSB Mortgage our mission is to ensure our clients receive the utmost attention to detail with regards to each of their individual needs. As a full service mortgage company we do not focus on costly overhead, but rather we feel strongly about our loan products and quality of service we provide, as well as, any recommendations from our clients.
  • LM2 Investment Group
  • 9160 East Bahia Drive, Suite 105, Scottsdale, AZ, 85260
  • "The LM2 Investment Group was founded by three investors with over 30 years of mortgage and real estate experience.We offer hard money, private loan funding for up to 2 years. We know not all transactions are alike and consider each transaction separately using an equity-based foundation."
  • Kenwood Mortgage Investments
  • 7950 East Redfield Road, Suite 110, Scottsdale, AZ, 85260
  • "Kenwood Mortgage Investments. We are a 26 year old family mortgage company that makes real estate loans that the banks or traditional lenders don’t do, or they don’t do fast enough. Think of Kenwood as a reliable source for $50,000 to $5,000,000 by Friday. Sometimes we really do work that fast, and we’ve been doing it for more than 26 years."
  • Hard Money Lenders Arizona
  • 7621 E. Gray Road, Suite B2, Phoenix, AZ, 85260
  • Hard money lender arizona provide various loan options for short sales, fix and flips, residential owner or non-owner occupied properties, rehab loans, commercial loans, REO purchases, trustee sales, cash out refinances, business investment properties, construction or land loans and more.
  • Hanson Capital
  • 7621 E. Gray Road. Suite B2, Scottsdale, AZ, 85260
  • Hanson Capital Group is a team of commercial real estate experts with a combined 50+ years of experience in the industry, offering a unique approach to investing in commercial real estate. We specialize in net lease, development and repositions, and offer a wide range of finance options from hard money and bridge loans.
  • Commerce Bank of Arizona
  • 3805 East Broadway Boulevard, Tucson, AZ, 85716
  • Commerce Bank of Arizona, established in 2002 in Tucson, Arizona, is a full-service community bank that caters to small-to mid-sized businesses and real estate professionals. CBAZ offers commercial clients with a variety of services ranging from U.S. Small Business Administration (SBA) financing solutions, construction loans.
  • Covenant Reverse Mortgage, LLC
  • 15420 Frost Rd., Caldwell, ID, 83607
  • Covenant Reverse Mortgage experience in originating and processing Reverse Mortgages extends to over 12 years specifically working with Seniors. In the HECM marketplace that is an outstanding plus! I have the background and the knowledge to help you decide if a Reverse Mortgage is right for you.
  • Interstate Mortgage Service, Inc.
  • 25062 South 190th Street, Queen Creek, AZ, 85142
  • At Interstate Mortgage Service Inc., where we specialize in residential mortgages. At Interstate Mortgage Service Inc., we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.