Explore the differences! FHA VS Conventional loan programs in Bethlehem, Albany County, New York
In 2026, the county of Albany in Bethlehem, NY, has set the limit for conventional loans at $726,200. Meanwhile, the FHA cap for a single-family residence is $472,030.
Try the Lendersa® Conventional loan calculator to evaluate today's top rates, including Conventional, FHA, and USDA options. Assess the income, credit, reserves, and paperwork required for qualification. Our advanced mortgage calculator displays side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, aiding in decision-making for the best option suited to your financial needs in NY.
Understanding 2026 loan limits and required down payments in Bethlehem, Albany county, NY
Type of Loan
Maximum Loan Amount
Minimum Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The above table's figures correspond to the following zip codes: 12067
Available Loan Options: Conventional and FHA in Bethlehem, NY
The mission of Lendersa® is to streamline your experience in securing the optimal Conventional, USDA, or FHA loan. You can begin with any of three distinct approaches, all crafted to connect you with the most suitable lenders and loan offerings.
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