FHA VS Conventional loan programs in 2025 for Buffalo, Erie County, New York
In 2025, 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.
2025 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, 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
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.
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