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

In 2025, Convetional loan limit in Buffalo, county of Erie, NY is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NY is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Buffalo, county of Erie, NY

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

The comparison table applies to zip codes: 14208, 14209, 14202, 14203, 14201, 14206, 14207, 14204, 14220, 14222, 14218, 14211, 14210, 14213, 14212, 14215, 14214, 14216, 14205, 14233, 14240, 14263, 14264, 14267, 14269, 14270, 14272, 14273, 14276, 14280

Conventional and FHA loan options in Buffalo, NY

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Bennett Mortgage Group
  • 1321 Basalt Ridge Loop, Castle Rock, CO, 80108
  • At Bennett Mortgage Group, our mission is to serve our customers with honesty, integrity, and proficiency. Our goal is to provide home loans to our clients with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Austin Mortgage Lending
  • 3305 W Slaughter Lane, Austin, TX, 78748
  • Whether you’re 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.
  • Metro Mortgage Group LLC
  • 825 E Speer Blvd, Suite 206, Denver, CO, 80218
  • At Metro Mortgage Group, experience the difference that Genuine personal service makes when buying or refinancing your home. Experience the difference. Extensive knowledge and experience, paired with excellent lender relationships, allows Metro Mortgage Group to offer our clients mortgage solutions that meet their individual needs and goals.
  • Northstar Mortgage: Phil A. Trujillo
  • 387 Corona St, Suite 563, Denver, CO, 80218
  • Northstar Mortgage is a mortgage broker firm dedicated not only to provide you with the best combination of service, product, and rates but as well as to work hand in hand with you so we meet your personal goals. With over twenty years of combined mortgage lending experience you are sure to get the best advice to meet your needs.
  • US Mortgage Solutions
  • 1424 N Clarkson Street, Denver, CO, 80218
  • Our mission is to serve our customers with pride, honesty, and integrity. Our goal is to provide our clients with very competitive interest rates at a discounted cost. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a mortgage. US Mortgage Solutions, LLC is an established Mortgage Broker.
  • Mortgage Maestro Group
  • 387 North Corona Street, Suite 646, Denver, CO, 80218
  • At the Mortgage Maestro Group, we are here to help you navigate through the complicated seas of house-hunting to the promised land of home ownership. Whether you are refinancing, a first-time buyer, buying a rental property, or you’re finally ready for your dream home, we have you covered. Let our experts guide you through the maze.
  • Cardinal Financial Inc
  • 1299 Gilpin Street, Denver, CO, 80218
  • Cardinal Financial makes many kinds of short term real estate loans secured by property in Colorado. Loans include purchases of income property, fix and flip loans loans to LLCs, corporations, trusts and other entities as well as loans to settle estates and auction bidding loans. We can commit to a loan.
  • Montegra Capital Resources, LTD
  • 3200 Cherry Creek S Dr, Suite 200, Denver, CO, 80209
  • Montegra Capital Resources has served as Colorado’s premier hard money lender, developing a reputation as a trusted source for hard money and bridge loans in Colorado and the Rocky Mountain Region. Montegra is a direct hard money lender, not a loan broker, and as such has complete control over the funds issued and the decisions made.
  • Keystone Bank, National Association
  • 11500 Bee Caves Road, Suite 150, Austin, TX, 78738
  • Keystone Bank launched in 2018 with a maverick and entrepreneurial approach to community banking that truly puts the client first. Based in the Austin suburb of Bee Cave, it will initially focus on serving clients in western Travis County and the Hill Country. Its services include private banking, commercial real estate, residential real estate.
  • Texas Lone Star Lending, LLC
  • 13001 SH 71 West, Suite 208, Bee Cave, TX, 78738
  • Texas Lone Star Lending is a different kind of mortgage company. We prefer the personal touch. We don't operate on bank hours. We're not on the golf course at 3p. Your questions and needs are important. While we cannot always answer the phone, if you call between 9a and 7p Monday through Friday, we will return your call within two hours.
  • Home Financing Direct, LLC
  • 12013 Nevada Dr, Austin, TX, 78738
  • Home Financing Direct offers the absolute best mortgage interest rates and lowest fees in the industry. In addition, we make the loan process easy and stress free for our customers by using the latest technology and providing world class service. Get your free personalized rate quote today