FHA VS Conventional loan programs in 2026 for Buffalo, Erie County, New York

In 2026, the limit for a conventional loan in Buffalo, located in Erie county, NY, is $726,200. Conversely, the FHA limit for a single-family home is set at $472,030.

Take advantage of the Lendersa® Conventional loan calculator to assess the best current rates among Conventional, FHA, and USDA loans, identifying the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator places Conforming Conventional, USDA, FHA, and VA loans side by side, enabling you to select the ideal program in NY for your financial needs.

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2026 Loan Limits and Down Payment Requirements in Buffalo, Erie County, NY

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

The comparison table is applicable to zip codes: 14208

Discover Conventional and FHA Loan Options in Buffalo, NY

The aim of Lendersa® is to efficiently provide you with the most suitable Conventional, USDA, or FHA loans without any delay. Choose one of three pathways to be matched with lenders and loan programs that fit your needs.

Results for Lendersa USDA loan request and matching


  • City Bank Mortgage
  • 6524 82nd Street, Suite 120, Lubbock, TX, 79424
  • City Bank has more than $3 billion in assets with 25 full-service banking locations and 13 mortgage loan production offices throughout Texas and New Mexico. Since 1941, City Bank has been committed to offering its customers revolutionary products and services to stay in touch with their needs.

  • Security State Bank & Trust
  • 201 West Main Street, Fredericksburg, TX, 78624
  • Security State Bank & Trust was born in the heart of Fredericksburg, Texas. In 1941, a group of local businessmen saw a need for a new bank to better serve the community’s needs. We officially opened for business in the former Buckhorn Saloon building at 201 West Main Street where we still reside.

  • Dream Home Funding
  • 4745 Rockwood Drive, San Angelo, TX, 76905
  • Providing Texans with the best service and lowest cost mortgages since 1998. Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity.

  • Triton Group at Legacy Mutual Mortgage
  • 3820 Farm to Market Road 3009, Suite 148, Schertz, TX, 78154
  • Triton Group Specializes in doing FHA, VA, Conventional, and USDA Home Loans for those looking to purchase a Primary Residence. Additionally we offer Conventional Secondary, and Investment Home Loans along with One time and Two time Construction Loans with no money down to those who qualify. and its lower interest rate on your current mortgage

  • Canon Signature Mortgage
  • 715 Main St, Canon City, CO, 81212
  • Our mortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal loan.

  • Randolph-Brooks Federal Credit Union
  • PO Box 2247, Universal City, TX, 78148
  • We are committed to helping our members save time, save money and earn money. Our team of dedicated professionals is here to help you achieve your goals and build a strong financial future. Randolph-Brooks Federal Credit Union is focused on helping members save time, save money and earn money.

  • Little Horn State Bank
  • 835 North Center Avenue, Hardin, MT, 59034
  • In 1919 a small group of men gathered together with an ambitious scheme: start a bank in Wyola, Montana that would provide area farmers and ranchers with a reliable bank to support their community and take care of their customers. The bank was named Little Horn State Bank and word quickly spread that not only would these folks listen to their custo

  • GROVE MORTGAGE HOME LOANS
  • 11405 Forest Shower, San Antonio, TX, 78233
  • Grove mortgage home loan be the premier mortgage provider in Texas, and your home mortgage solution. Our mortgage specialists place clients at the center of everything, exceeding expectations and building relationships that last a lifetime. We do what is right for the client by providing honest and reliable information.

  • Megamerica Mortgage
  • 19210 Huebner Rd, Suite 205, San Antonio, TX, 78258
  • Megamerica Mortgage is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Texas. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt,

  • Statewide Mortgage and Lending
  • 2710 Treble Creek, Suite 100, San Antonio, TX, 78258
  • Statewide Mortgage and Lending is a locally owned and operated mortgage brokering company based in San Antonio, TX. We have been serving your community with exceptional loan services for more than 20 years. Our professionals will always perform in-house processing to provide you with timely and efficient loan services.

  • Premier Lending Group Inc
  • 401 East Sonterra Boulevard, Suite 375, San Antonio, TX, 78258
  • We are a family owned business that opened in 1998. We have dedicated ourselves to providing the most comprehensive residential and commercial real estate, and business financing products available anywhere, to providing the most experienced and knowledgeable professionals dedicated to delivering extraordinary service to our clients