Explore the differences! FHA VS Conventional loan programs in Baldwinsville, Onondaga County, New York

In 2026, the limit on conventional loans in Baldwinsville, located in Onondaga County, NY, is $726,200. Meanwhile, for a single-family home, the FHA limit is $472,030.

Check today's Conventional loan rates with Lendersa
Compare various loan calculators

The Lendersa® Conventional loan calculator helps you evaluate today's top rates for Conventional, FHA, and USDA loans, determining what income, credit, reserves, and documentation you need to qualify. This advanced tool lets you see Conforming Conventional loans along with USDA, FHA, and VA options side by side, helping you choose the program in NY that best fits your financial needs.

Explore offers from 100 different lenders

2026 Loan Limits and Down Payment Requirements in Baldwinsville, Onondaga County, NY

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

This comparison table applies to zip codes: 13027

Options for Conventional and FHA Loans in Baldwinsville, NY

Lendersa® is committed to providing you with the best possible Conventional, USDA, or FHA loan efficiently and without hassle. Start by choosing one of three options to find matching lenders and suitable loan programs.

  1. Submit your request with complete optimization for Conventional/USDA/FHA loans
  2. Explore rates & terms for Conventional, USDA, and FHA loans early on
  3. Browse the largest database of Conventional lenders
Check USDA loan request outcomes with Lendersa


Baldwinsville Lenders


  • Seneca Savings
  • 35 Oswego Street, Baldwinsville, NY, 13027
  • Lends in New York

  • Seneca Savings is a community bank that feeds into a self-sustaining micro-economy by keeping funds right here in Central New York.

    The idea of “sustainability” is linked to a lot of our local activities these days. Funds taken in by the community are put to productive use by lending that money back into the Syracuse economic ecosystem.

  • Solvay Bank
  • 1537 Milton Ave, Syracuse, NY, 13209
  • Lends in New York

  • Serving the Greater Central New York community for 100 years, Solvay Bank continues to strive to provide consumers and small business customers outstanding service and quality financial products. We are a people-oriented, independent, commercial bank that focuses on meeting the needs of the communities we serve.

  • Solvay Bank
  • 1537 Milton Ave, Solvay, NY, 13209
  • Lends in New York

  • Founded in 1917, Solvay Bank is the oldest commercial bank in Central New York. We have nine locations in the Greater Syracuse area.Our mission is to provide the best experience for our customers to help make their financial dreams come true, while upholding socially responsible and community-minded principles, and delivering value to our sharehold

  • Quickline Capital Partners, Inc
  • 4713 Crossroads Park Dr, Suite 101, Liverpool, NY, 13088
  • Lends in New York

  • We help individuals and corporate borrowers secure the necessary capital, whether they need a refi, a stated income loan, fix-and-flip financing, or improvement financing. While some properties are harder to finance than others, most anything can be financed with some expert help. We can finance.

  • Paragon Home Loans, Inc
  • 225 Greenfield Parkway, Suite, Suite 207, Liverpool, NY, 13088
  • Lends in New York

  • Paragon Home Loans, Inc. is a licensed mortgage banker by the New York State Department of Financial Services. Founded in 1976, Paragon Home Loans focuses exclusively on the residential mortgage needs of its customers. We have eight convenient locations in Syracuse, Buffalo, Plattsburgh, Binghamton, Utica, Lake Placid, Cortland and Corning.

  • Fulton Savings Bank
  • 75 South First Street, Fulton, NY, 13069
  • Lends in New York

  • Fulton Savings Bank offers comprehensive banking services near Fulton, NY, including deposit accounts, such as checking accounts and savings accounts, as well as loans, such as personal loans, mortgage loans, home equity loans and more.
    For over 100 years, Fulton Savings Bank has been a trusted provider for competitive Fulton mortgage rates.

  • Syracuse Fire Department Credit Union
  • 211 Wilkinson Street, Syracuse, NY, 13204
  • Lends in New York

  • The Syracuse Fire Department Credit Union was chartered on March 24, 1950. Since that day, we have proudly served professional firefighters in Syracuse and surrounding communities. Today, our membership primarily consists of profesional firefighters, police officers, emergency responders and other small businesses from around Central New York.

  • Money Federal Credit Union
  • 100 Madison Street, Syracuse, NY, 13202
  • Lends in New York

  • Mutual of New York Life Insurance Company (MONY) employees founded Money Federal Credit Union in 1976. Credit unions were built on the philosophy of “people helping people.” Money FCU takes that mission statement to the core of how we run our business. It’s about people, community, and sharing resources

  • MHD Empire Service Corp.
  • 300 South State St, Suite 1000, Syracuse, NY, 13202
  • Lends in New York

  • At MHD Empire Service Corp. We are a sister company of Haylor, Freyer & Coon, one of the largest independent insurance agencies in the Northeast.

    Founded in 1983, MHD Empire Service Corp. was established to assist retailers, community owners and individuals in securing quality financing and insurance for
Find more lenders

Bridge Loan Guides

TYPES OF LOANS WE HANDLE:

CITIES CLOSE BY:

Copyright © 2026 | Lendersa, Inc. | All Rights Reserved | HQ: 22527 CRENSHAW BLVD ST E 201, TORRANCE, CA. 90505, USA | Hard Money Loans In Los Angeles, CA