FHA VS Conventional loan programs in 2026 for Carroll, Chautauqua County, New York

As of 2026, the Conventional loan ceiling in Carroll, located in the county of Chautauqua, NY, amounts to $726,200, whereas the FHA cap is set at $472,030 for a single-family residence.

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Leverage the Lendersa® Conventional loan calculator to compare the best current rates of Conventional, FHA, and USDA loans. This tool helps you determine the qualifications needed such as income, credit score, reserves, and required documents. With our comprehensive mortgage calculator, compare side-by-side Conforming Conventional loans, USDA, FHA, and VA options to find out which one in NY suits your financial needs best.

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Loan limits and downpayment requirements for 2026 in Carroll, situated in the county of Chautauqua, NY

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

Note that this comparison table is relevant for the zip codes: 14738

Options for Conventional and FHA loans in Carroll, NY

The mission of Lendersa® is to secure the most favorable Conventional, USDA, or FHA loans for you in a swift and hassle-free manner. Choose one of the three pathways below, each leading to suitable lenders and loan programs.

  1. Submit your top-tier request with Conventional/USDA/FHA loan optimization
  2. Discover Conventional, USDA, and FHA rates and terms as a first step
  3. Explore the largest list of Conventional lenders available
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Carroll Lenders


  • Greater Chautauqua Federal Credit Union
  • 51 East Main Street, Falconer, NY, 14733
  • Lends in New York

  • Greater Chautauqua Federal Credit Union has been open since 1940. The credit union has assets totaling $89.32 Million and provides banking services to more than 10, 000 members.

    The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,

  • Jamestown Area Community FCU
  • 915 East Second Street, Jamestown, NY, 14701
  • Lends in New York

  • To provide a wide variety of financial services at the lowest possible cost to our members and to support the community and the Credit Unions in our area with the philosophy of:

    ""It's my credit union; it belongs to me.""
    When you walk into the credit union lobby, or call a loan officer

  • CCSE Federal Credit Union
  • 417 Broad Street, Salamanca, NY, 14779
  • Lends in New York

  • CCSE Federal Credit Union was founded by local teachers in 1977. Initially a teacher’s credit union, we have now expanded to serve everyone who lives or works in Cattaraugus County. CCSE is a full service financial institution. We offer savings and checking accounts, as well as low rates on a variety of lending products.

  • Southern Chautauqua Federal Credit Union
  • 168 East Fairmount Avenue, Lakewood, NY, 14750
  • Lends in New York

  • Mission Statement: Southern Chautauqua Federal Credit Union is committed to providing its members with the professional financial services they have come to expect.

    Vision Statement: Southern Chautauqua Federal Credit Union’s vision is to be a resource to the community by offering its members the best financial service and value….period.

  • Cattaraugus County Bank
  • 120 Main Street, Little Valley, NY, 14755
  • Lends in New York

  • We're locally owned and operated. So we support our community, including the small businesses here in upstate New York. We offer many different commercial loans, checking and savings accounts to make sure your business has what it needs to succeed. Our commitment is best expressed in the different products and services we offer our customers.

  • Inner Lakes Federal Credit Union
  • 19-21 East Main Street, Westfield, NY, 14787
  • Lends in New York

  • At Inner Lakes Federal Credit Union, each dollar of income is passed along to our members in the form of higher dividends on savings, lower interest on loans, or new and improved services. We are member owned and not-for-profit, we exist solely to serve our members and provide a smart alternative to profit-driven banks and other institutions.

  • Lake Shore Savings Bank
  • 128 East Fourth Street, Dunkirk, NY, 14048
  • Lends in New York

  • Lake Shore Savings is a community oriented financial institution originally chartered as a savings and loan association in New York in 1891. We are dedicated to serving the financial needs of consumers and businesses within its market area. We are primarily engaged in the business of attracting deposits from the general public
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