Explore the differences! FHA VS Conventional loan programs in Evans, Erie County, New York

In 2026, the conventional loan limit in Evans, located within Erie, NY, is set at $726,200. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Utilize the Lendersa® Conventional loan calculator to assess today's best rates between Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows side-by-side viewing of Conforming Conventional, USDA, FHA, and VA loans, helping choose the best program suited to your financial situation in NY.

Explore loan offers from up to 100 lenders

Loan Limits and Downpayment Requirements for 2026 in Evans, Erie, NY

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

This table applies to zip codes: 14112

Discover Conventional and FHA Loan Options in Evans, NY

Lendersa®'s goal is to provide you with the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose from one of three methods to match with lenders and find suitable loan programs.

Results from Lendersa USDA loan requests


  • 1st United Mortgage LLC
  • 2509 Wilma Rudolph, Suite E, Clarksville, TN, 37404
  • 1st United Mortgage is dedicated to serving veterans and military families. As VA Loan specialists, our experts are trained specifically on VA eligibility requirements and will walk you through every step of the loan process. Our mission is to make the mortgage process and simple and stress-free as possible for you.

  • Chattanooga First Federal Credit Union
  • 3120 Broad Street, Chattanooga, TN, 37408
  • Chattanooga First Federal Credit Union started out small with the sole ambition of serving employees of U.S. Pipe and Foundry and their families. Over time, we've expanded our membership base to others and now offer a comprehensive range of credit union services. Chattanooga First Federal Credit Union Established in 1961.

  • Chattanooga Neighborhood Enterprise
  • 1500 Chestnut Street, Suite 102, Chattanooga, TN, 37408
  • Chattanooga Neighborhood Enterprise, Inc. was founded in 1986 to help improve the quality of life in Chattanooga by building strong, sustainable neighborhoods through the promotion and preservation of homeownership. CNE has helped over 4.000 Chattanooga residents purchase their first home.

  • Mortgage Assurance, LLC
  • 1391 Holmes Street, Suite 119, Chattanooga, TN, 37408
  • Morgage Assurance is ready to help you purchase your dream home today. We are a family owned business located in Chattanooga, Tennesee Mortgage Assurance has nurtured relationships with numerous lending companies across the U.S., which allows us to custom fit a lender for the loan program.

  • MAGNOLIA HOME LOANS, LLC
  • 402 Dogwood Drive S, Murrells Inlet, SC, 29576
  • Magnolia Home Loans had a modest beginning in Atlanta, Georgia and now serve home buyers throughout Georgia and South Carolina. We are a family owned business who give our clients 1:1 personalized services. We have been in the mortgage business for over 30 years. Our mission is to serve our customers with honesty, integrity, and competence.

  • Central State Bank
  • 102 North Main Street, Elkader, IA, 52043
  • Central State Bank is a family-owned and locally operated financial institution serving eastern Iowa. With locations in six communities: CSB offers a wide variety of personal and commercial products/services, a strong staff and a personal touch and We aim to become a total solution for individuals and businesses who want more from their bank.

  • First National Community Bank
  • 701 N 3rd Ave, Chatsworth, GA, 30705
  • National Community Bank is a locally owned community bank. We are deeply committed to the success and growth of local businesses and the financial prosperity of our customers in our community with extraordinary involvement in the communities we have served since 1975.We pride ourselves in our experienced staff of familiar local Bankers.

  • SIUe CREDIT UNION
  • 1566 Lewis Road, Edwardsville, IL, 62025
  • SIUE Credit Union is a not-for-profit, member-owned credit union, our main goal is not to make money. Instead, we help you save yours with a complete range of financial products and services. You’ll earn high returns on savings, enjoy lower rates on loans and pay lower (and fewer) fees than you would at most banks.

  • Scott Credit Union
  • 101 Credit Union Way, Edwardsville, IL, 62025
  • Scott Credit Union is a full-service financial institution that is member owned, member operated, and not-for-profit. We offer similar products and services to what the conventional financial institutions have, but we do so with our members’ best interest in mind. Any revenue generated after expenses