FHA VS Conventional loan programs in Au-Sable, Clinton County, New York

In 2026, the Conventional loan limit for Au-Sable, in Clinton county, NY, is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680.

Utilize the Lendersa® Conventional loan calculator to compare the best rates currently offered for Conventional, FHA, and USDA loans. Determine the necessary income, credit score, reserves, and documentation needed to qualify. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which program in NY fits your specific financial circumstances.

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2026 Loan Limits and Down Payment Requirements in Au-Sable, Clinton County, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table applies to the zip codes: 12972

Options for Conventional and FHA Loans in Au-Sable, NY

The goal of Lendersa® is to quickly and easily secure the best possible Conventional, USDA, or FHA loan. Choose one of three starting strategies to find matching lenders and suitable loan programs.

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Au-Sable Lenders

  • UFirst Federal Credit Union
  • 274 Rugar Street, Plattsburgh, NY, 12901
  • Lends in New York
  • In 1971, SUNY Plattsburgh Federal Credit Union officially opened for business. Back in 1971, the SUNY Business & Economic Department, the United University Professions and Civil Service Employees, had a vision of providing a place where faculty and staff of SUNY Plattsburgh could save and get loans at fair rates.

  • Champlain National Bank
  • 3900 NYS Route 22, Willsboro, NY, 12996
  • Lends in New York
  • Champlain National Bank’s history dates back to 1909 when Lake Champlain National Bank began operations in Westport, NY. The Champlain National Bank that exists today was formed in 1959 as the result of the merger between Essex County National Bank in Willsboro, NY (founded in 1921) and Lake Champlain