FHA VS Conventional loan in Fort-Plain, Montgomery County, New York

The conventional loan cap in Fort-Plain, which is in the county of Montgomery, NY, for the year 2025, is $647,200, whereas the FHA loan limit for a single-family home is $420,680.

By using the Lendersa® Conventional loan calculator, you can assess and compare the top rates for Conventional, FHA, and USDA loans today. It assists in evaluating the necessary income, credit standing, reserves, and required documentation to qualify. Our advanced mortgage calculator allows you to view Conforming Conventional loans, USDA, FHA, and VA side by side, aiding in determining which program in NY fits your financial profile best.

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Loan limits and down payment needs in Fort-Plain, Montgomery county, NY for 2025

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table is applicable to the following zip codes: 13339

Exploring your Conventional and FHA loan options in Fort-Plain, NY

The mission of Lendersa® is to provide you with the most competitive Conventional, USDA, or FHA loan quickly and efficiently. Begin with one of the three options that lead to matched lenders and tailored loan programs.

Results from Lendersa USDA loan requests and matching


  • Great Meadow Federal Credit Union
  • 26 East Main Street, Granville, NY, 12832
  • Great Meadow Federal Credit Union is a Financial Services company serving Warren, Washington and Essex Counties in New York, as well as Addison, Bennington and Rutland Counties in Vermont for over 60 years. BauerFinancial 5Star rated for over 25 consecutive years. We are a not-for-profit cooperative financial institution serving
  • Approved Credit Services, Inc NMLS #9604
  • 2572 Erie Blvd. East, Syracuse, NY, 13224
  • We are experts in locating the loan that fits your individual circumstances. We have extensive experience in financing manufactured and mobile homes since 1994. We pride ourselves upon finding the best loan for you in the shortest possible time, plus making the experience as hassle-free as possible.
  • Ulster Federal Credit Union
  • 127 Schwenk Drive, Kingston, NY, 12401
  • Ulster Federal Credit Union is a non-profit association of member owners whose goal is to provide a variety of financial services that feature benefits and advantages over those generally available from other banking sources and to encourage their use with the specific intent of helping our members improve their personal financial status.
  • Ulster Savings Bank
  • 180 Schwenk Drive, Kingston, NY, 12401
  • Ulster Savings Bank is more than just banking! We offer a full line of products and services for both personal and business such as insurance, payroll services, tax preparation and wealth management. business such as insurance, payrol A leader in community giving, Ulster Savings Bank is actively involved in the communities we serve
  • Crouse Federal Credit Union
  • 730 S Crouse Avenue, Syracuse, NY, 13210
  • Crouse Federal Credit Union was organized in 1978 by a group of ambitious Crouse Irving Memorial Hospital employees who wanted to create a safe place for fellow employees to borrow and save at fair rates and with confidentiality. Unlike any other financial institution, a credit union is owned and controlled by the people it serves.
  • Cooperative Federal Mortgages
  • 723 Westcott St, Syracuse, NY, 13210
  • Cooperative Federal is a unique combination of a traditional credit union and a non-profit community development organization. Becoming a member of Cooperative Federal is making a choice to build our local community and to advance social justice. and Cooperative Federal is deeply involved in efforts to revitalize our community.
  • GREYLOCK FEDERAL CREDIT UNION
  • 150 West Street, Pittsfield, MA, 01201
  • Greylock Federal Credit Union is an independent company, wholly owned by its members. This is what distinguishes the Credit Union from other financial institutions. Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements
  • Money Federal Credit Union
  • 100 Madison Street, Syracuse, NY, 13202
  • Mutual of New York Life Insurance Company (MONY) employees founded Money Federal Credit Union in 1976. Credit unions were built on the philosophy of “people helping people.” Money FCU takes that mission statement to the core of how we run our business. It’s about people, community, and sharing resources
  • MHD Empire Service Corp.
  • 300 South State St, Suite 1000, Syracuse, NY, 13202
  • At MHD Empire Service Corp. We are a sister company of Haylor, Freyer & Coon, one of the largest independent insurance agencies in the Northeast. Founded in 1983, MHD Empire Service Corp. was established to assist retailers, community owners and individuals in securing quality financing and insurance for
  • Syracuse Fire Department Credit Union
  • 211 Wilkinson Street, Syracuse, NY, 13204
  • The Syracuse Fire Department Credit Union was chartered on March 24, 1950. Since that day, we have proudly served professional firefighters in Syracuse and surrounding communities. Today, our membership primarily consists of profesional firefighters, police officers, emergency responders and other small businesses from around Central New York.
  • Pittsfield Co-operative Bank
  • 70 South St, Pittsfield, MA, 01202
  • The Pittsfield Cooperative Bank marks over 130 years in business. The Bank has grown quietly and steadily over the years with the unwavering commitment to its customers, employees, and communities. Our story is of family homes funded and dreams realized, and of providing assistance to businesses and entrepreneurs.
  • Rhinebeck Bank
  • 6414 Montgomery Street, Rhinebeck, NY, 12572
  • Rhinebeck Bank is a full service, locally focused bank headquartered in Poughkeepsie, NY. We offer a full range of personal checking, savings, money market and certificates of deposit as well as, home equity lines of credit and mortgages. For commercial customers we offer a broad variety of products and services for sole proprietors, partnerships.