FHA VS Conventional loan in Boonville, Oneida County, New York

In the year 2026, the Conventional loan limit in the city of Boonville, located in the county of Oneida, NY, is $726,200. Meanwhile, the FHA loan limit for a single-family home is set at $472,030.

Utilize the Lendersa® Conventional loan calculator to compare current rates across Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator allows side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA programs to discern which option in NY fits your financial situation best.

Compare loan offers from 100 different lenders

Loan limits and downpayment requirements for 2026 in Boonville, Oneida 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 is applicable to the following zip codes: 13309

Options for Conventional and FHA loans in Boonville, NY

The goal of Lendersa® is to facilitate the best Conventional, USDA, or FHA loan for you quickly and without hassle. You can choose from one of three starting points that will result in matching lenders and loan programs tailored to your needs.

Lendersa: Results from USDA loan requests and matching process


  • Reliant Community Federal Credit Union
  • 10 Benton Pl., Sodus, NY, 14551
  • Reliant Credit Union is a member-owned and member-driven full-service financial institution with nine branches across Monroe, Ontario, & Wayne Counties in New York. We're committed to making a difference in the communities we serve by improving our members'​ financial lives and exemplifying the credit union philosophy of "people helping people

  • Capital Home Partners
  • 800 Rt 146, Suite 320, Clifton Park, NY, 12065
  • Capital Home are buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

  • The Mortgage Place Inc.
  • 646 Plank Road, Suite 102, Clifton Park, NY, 12065
  • At The Mortgage Place, we recognize that buying or refinancing a home is a huge commitment. At our initial consultation, we will work together to determine your goals, needs and financial strategies. We will patiently describe the different mortgage programs in detail. Together we will decide on the best program and lender for your situation.

  • Victory Funding
  • 2296 Route 9, Mechanicville, NY, 12118
  • Victory Funding was established in 2008 - at the start of the financial crash that put 70% of all NY Mortgage Brokers out of business. Tim Halladay started the Victory Funding after spending ten years in the business as an originator, manager and team builder. Prior to that, Tim began his career in Real Estate as investor and developer.

  • First New York Federal Credit Union
  • 2 Wall St, Albany, NY, 12205
  • First New York Federal Credit Union, originally Schenectady Teachers Federal Credit Union, was federally chartered in 1937 to serve the teachers of the Schenectady City School district. Today First New York has eight Branch locations and three FNY Express Teller Kiosks, serving over 34, 000 members, and is one of the strongest financial institution

  • CAP COM Federal Credit Union
  • 4 Winners Circle, Albany, NY, 12205
  • CAP COM was first established in 1953 in Albany, N.Y. More than six decades later, CAP COM has grown to more than $2 billion in assets and 12 branch locations. We are member-driven and focused on superior service, convenient products and competitive rates that help our members save money and make life just a little easier

  • Fort Orange Funding
  • 21 Everett Rd. Ext, Albany, NY, 12205
  • Fort Orange Funding, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage.

  • OwnersChoice Funding
  • 1021 Watervliet Shaker Road, Albany, NY, 12205
  • Over the past 30 years, the mortgage professionals at OwnersChoice have earned a reputation for attention to detail, timeliness, answers, and the ability to deliver financing that fits your life. It’s the kind of excellence and “personal touch” you’d expect from a home lending partner with deep roots in the credit union movement.

  • Homeowners Advantage
  • 4 Winners Circle, Albany, NY, 12205
  • Homeowners Advantage provides affordable home real estate loan options to homebuyers, homeowners, credit unions, real estate professionals, investors and builders in order to make the dream of owning a home a reality. We provide the highest level of integrity, professionalism and customer service in the mortgage industry.

  • Community Resource Federal Credit Union
  • 20 Wade Road, Latham, NY, 12110
  • We offer outstanding rates and low fees on a full range of financial products. Our mission is to improve the lives of our members and community by providing access to affordable, reliable and solution based financial services.

    Our mission is to improve the lives of our members and the community by providing access to affordable

  • Sunmark Credit Union
  • 1187 Troy Schenectady Road, Latham, NY, 12110
  • Sunmark Credit Union is a full-service, community chartered credit union serving New York through financial services, education and empowerment. Since 1937, Sunmark Credit Union has been helping members in New York improve their financial position by offering a full range of products, from mortgage and retirement options to savings and checking.

  • Maple Tree Funding
  • 1202 Troy Schenectady Rd, Bldg 3, Latham, NY, 12110
  • Maple Tree Funding is a New York State Registered Mortgage Broker. Established in 2003, we have been providing excellent mortgage programs for both home purchases and home refinancing to home buyers throughout New York State for more than a decade.We are a locally owned & operated company based in Latham, New York with a branch office in Queensbury