FHA VS Conventional loan programs in 2025 for Cortland, Cortland County, New York
In 2025, the conventional loan limit for Cortland, located in Cortland county, NY, is set at $726,200. Meanwhile, the limit for an FHA loan for a single-family home is $472,030.
Use the Lendersa® Conventional loan calculator to compare today’s leading rates for Conventional, FHA, and USDA loans. Assess the income, credit status, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side, which helps decide the best program in NY for your specific financial needs.
Overview of 2025 Loan Limits and Down Payment Requirements in Cortland, Cortland, NY
Loan Type
Loan Limit
Required Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison table applies to the zip codes: 13045
Exploring Conventional and FHA Loan Options in Cortland, NY
Lendersa® is dedicated to finding you the best possible Conventional, USDA, or FHA loan quickly and hassle-free. Choose from one of three paths to find matching lenders and optimal loan programs.
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