FHA VS Conventional loan programs in Big-Flats, Chemung County, New York
In 2026, the conventional loan limit in Big-Flats, located in Chemung, NY, is set at $647,200, while the FHA limit is $420,680 for a single-family home.
To compare today's best rates for Conventional, FHA, and USDA loans, use the Lendersa® Conventional loan calculator. Determine the required income, credit score, reserves, and documents for qualification. Our advanced calculator shows Conforming Conventional, USDA, FHA, and VA loans side-by-side, assisting in choosing the most suitable program in NY for your financial needs.
2026 Loan Limits and Downpayment Requirements in Big-Flats, Chemung County, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This table is applicable to the following zip codes: 14845
Explore Conventional and FHA Loan Options in Big-Flats, NY
Lendersa®'s mission is to provide the best Conventional, USDA, or FHA loans quickly and easily. Start with one of three paths that connect you to suitable lenders and loan programs.
Elmira Savings Bank is a full service community bank headquartered in Elmira, NY. The bank currently has thirteen full-service locations in Chemung, Tompkins, Cayuga & Steuben Counties, as well as one loan center located in Broome County. Elmira Savings Bank strives to provide above-average returns to our shareholders while providing a broad range.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
CCU was founded in 1936 with the goal of helping Corning Glass Works employees with their financial needs. We started with 42 members and $420 in assets. Over the years, we've opened offices in North Carolina and Pennsylvania, in addition to the 10 offices in the Corning/Elmira, New York area.
Our credit union was founded and chartered for business in 1954 by a group of 10 employees at the Ingersoll-Rand Company. Spearheaded by Harold Davis, the Ingersoll-Rand Union President, this group signed the original paperwork to have our credit union recognized by the National Credit Union Administration (NCUA).
Alternatives is a regional Community Development Credit Union (CDCU) & a Community Development Financial Institution (CDFI). Our mission is to build wealth & create economic opportunity for underserved people & communities. Our vision is to lead an economic movement to create thriving, empowered communities with financial freedom for everyone.
Our mission is to provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge & ability of our members to manage & control their financial well-being; to provide sound financial management.
The First National Bank of Groton has been proudly serving the area communities for over 150 years. The Bank is customer driven. Its very existence is based on customers finding value in the products and services being offered. The Bank prides itself on offering a superior level of personalized customer service.
