In 2026, the Conventional loan limit for Floyd, situated in Oneida county, NY, is $726,200. At the same time, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to evaluate today's top rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, you can compare Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which program in NY suits your financial needs best.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
This table applies to these zip codes: 13440
Lendersa® aims to quickly secure the best possible Conventional, USDA, or FHA loan for you without hassle. Choose from three approaches that connect you to the right lenders and loan programs.
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