FHA VS Conventional loan programs in 2025 for Frankfort, Herkimer County, New York

In the year 2025, the conventional loan cap for Frankfort, which falls in the county of Herkimer, NY, stands at $726,200, whereas the FHA loan cap for a single-family residence is $472,030.

To compare today's top rates for Conventional, FHA, and USDA loans, use the Lendersa® Conventional loan calculator. Identify the necessary income, credit score, reserves, and required documentation for qualification. Our sophisticated mortgage calculator allows you to review Conventional Conforming loans, USDA, FHA, and VA options side by side, aiding in your decision on the best program tailored to your financial needs in NY.

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2025 Loan Limits and Downpayment Requirements in Frankfort, Herkimer, NY

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

This comparison table is relevant for the following zip codes: 13340

Options for Conventional and FHA Loans in Frankfort, NY

Lendersa® aims to quickly and seamlessly secure the best Conventional, USDA, or FHA loan deal for you. Start with any of three approaches to find matching lenders and loan programs.

Lendersa USDA request and matching results


  • Bayview Home Loans
  • 421 East Osprey LN, Shelton, WA, 98584
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • NorthWest Funding Group, Inc.
  • 802 Officers Row, Suite C, Vancouver, WA, 98661
  • We’re Northwest Funding Group, and we’re legacy builders. We build every loan experience around you, a unique approach that allows you to have a voice. You are heard, valued, and our investment in you is heartfelt. We love what we do and we know how to do it, which shows throughout every single step of the process.
  • Portland Loan Team LLC
  • 1825 North East 50th Avenue, Portland, OR, 97213
  • Portland Loan Team is an independent mortgage brokerage in Portland, Oregon. We offer competitive rates with a personal touch, a single point of contact available seven days a week, and 24-hour pre-approval to expedite the offer process. Everyone wins! We are a small Mortgage Broker focused on great service and rates.
  • Alliance Commercial Credit Group
  • 8002 NE Highway, Suite 503, Vancouver, WA, 98665
  • Since 1995, Alliance Commercial Credit Group has specialized in providing alternative financing to companies throughout the Western United States. Guided by its founder, Suzy Oubre, the company has placed more than $75 million in financing to more than 100 companies in virtually every industry group.
  • LENDCO
  • 17100 BEAR VALLEY RD SUITE B, #214, Victorville, CA, 92395
  • Hello and thank you for choosing LENDCO. Honesty, Caring, and Competence are our core values. Our owner Julio Hernandez has been a Real Estate Broker since 2002 and has vast As a Mortgage Broker, we do only one loan application and only one credit pull. We shop the top wholesale lenders in the country and offer some of the lowest rates.
  • Innovation Mortgage Group
  • 12600 Hesperia Road, Suite A, Victorville, CA, 92395
  • Our team of experienced and knowledgeable Loan Officers are ready to serve all of your home financing needs! We understand that purchasing a home is one of the biggest decisions you’ll make. That’s why we combine cutting-edge technology and innovative workflows with an unwavering commitment so you can be confident in your decision.
  • 203K Mortgage Lender
  • 17100 Bear Valley Rd, Suite B340, Victorville, CA, 92395
  • 203kMortgageLender.com is an FHA 203k Lender Directory. If you are looking for an FHA approved 203K lender then you've come to the right place. You'll find 203k renovation specialists throughout the U.S that are approved, experienced and have the knowledge to do FHA 203k Loans as well as other renovation loans
  • Gold Key Home Loans
  • 6637 SVL Box, Victorville, CA, 92395
  • Since 1986 Gold Key Home Loans has Specialized in FHA, VA and Conventional Real Estate Financing for Home Purchasers and Home Owners who want to Refinance or obtain a Reverse Mortgage. my goal was to provide excellent service to my borrowers and the real estate community that I serve.