FHA VS Conventional loan programs in 2025 for 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.

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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


  • American National Bank & Trust Company
  • 628 Main St, Danville, VA, 24541
  • American National Bank & Trust Company, we believe being local is more than just having an office in the community. It's about looking out for our customers with better banking options and quick, local decisions. It's about supporting local community organizations and working with local businesses that are so vital to our communities.
  • Martha's Vineyard Mortgage Company LLC
  • 107 Beach Road, Suite 101, Vineyard Haven, MA, 02568
  • Martha's Vineyard Mortgage! We specialize in purchases and refinances of all types offering the most competetive rates and stellar service. Island residents and Owners/Brokers Polly K. Bassett and Carol Borselle have each been in the mortgage business on the Vineyard for over 25 years, and have relationships with realtors
  • Residential Mortgage Services, Inc.
  • 24 Christopher Toppi Drive, South Portland, ME, 04106
  • Residential Mortgage Services inc. offers borrowers a full spectrum of integrated loan processing, underwriting and direct lending services – all under one roof. The result? Fast processing of residential mortgage applications, and a better overall experience for you! We offer conventional purchase and refinance home loans
  • Acadia Lending Group
  • 10 Donald B Dean Dr, Suite, Suite 2, South Portland, ME, 04106
  • Acadia Lending Group is the largest mortgage broker in the State of Maine offering industry leading technology, a variety of lending options, low-rate mortgages, and unparalleled customer service. We've become the mortgage experts the resident of Maine depend on for all their purchase and refinance needs.
  • HOME BASE MORTGAGE GROUP
  • 780 Broadway, Unit C, South Portland, ME, 04106
  • Founded in 2017, Home Base Mortgage Group has quickly grown into one of the top mortgage companies in the state. When Home Base Mortgage Group first started out, their passion for helping people drove them to open their own Mortgage Company to provide the best possible knowledge, experience and customer service to each borrower.
  • Firefighters Credit Union
  • 726 Massachusetts Avenue, Indianapolis, IN, 46204
  • Firefighters Credit Union was organized on March 1, 1956 at a meeting held at the old Fire Headquarters at 301 E. New York St. The purpose of the meeting was to bring into existence a cooperative venture to help meet the financial needs of firefighters and their families.The original volunteer charter members were Russell Iverson.
  • The National Bank of Indianapolis
  • 107 N. Pennsylvania St, Suite 700, Indianapolis, IN, 46204
  • The National Bank of Indianapolis is the largest locally-owned national bank headquartered in greater Indianapolis. With over $2 Billion in assets, we combine our expertise, local decision-making & tradition of superior service to deliver a full range of banking services to professionals, closely-held businesses & nonprofit organizations.
  • Elements Financial
  • 225 South East Street, Suite 300, Indianapolis, IN, 46202
  • "At Elements, we provide a variety of powerful financial products and services through the safe harbor of a consumer-owned credit union. Yet Elements is not just a credit union. We are financial wellness providers who promise to help you achieve financial wellness in life with your own money management plan."
  • First Financial Mortgage
  • 2320 Congress Street, Suite D, Portland, ME, 04102
  • First Financial Mortgage, we believe the way we do things is just as important as what we do. Every team member is guided by our Core Values which define how we work, how we interact with each other and guide us in determining how we best serve our customers and local communities.
  • Indiana Members Credit Union
  • PO Box 47769, Indianapolis, IN, 46247
  • Indiana Members Credit Union was established as Indiana University Medical Center Federal Credit Union in 1956 by employees of the Indiana University Medical Center, on what is today’s IUPUI Campus. Established as a member-owned, not-for-profit financial institution, founded on and by the employees of the IU Medical Center.
  • Port of Hampton Roads ILA Federal Credit Union
  • 1355 International Terminal Boulevard, Suite 102, Norfolk, VA, 23505
  • The Port of Hampton Roads ILA Federal Credit Union is a financial institution owned and controlled by it's members. It continues to exist solely for the financial benefit of it's members through their ability to save money in the form of Share (deposits), purchasing of savings certificates (certificates of deposits) and other savings mechanisms.
  • cPort Credit Union
  • 50 Riverside Industrial Parkway, Portland, ME, 04103
  • cPort Credit Union has evolved throughout the years since its 1931 inception. What began as the Federal Employees Credit Union of Maine and only the third CU in the state of Maine has come to mean so much more to the community. We have been fortunate to have sustained strong member growth throughout the years and have expanded our company.