FHA VS Conventional loan in Guilderland, Albany County, New York
In 2026, the conventional loan limit for Guilderland, in the county of Albany, NY is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare today's leading rates for Conventional, FHA, and USDA loans. Assess your qualifications by examining the income, credit, reserves, and documentation needed. Our advanced mortgage calculator allows you to juxtapose Conforming Conventional loans with USDA, FHA, and VA loans, thereby aiding you in choosing the optimal program in NY for your financial circumstances.
2026 Loan Limits and Down Payment Requirements in Guilderland, County of Albany, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison table applies to the following zip codes: 12203
Explore Conventional and FHA Loan Options in Guilderland, NY
The goal of Lendersa® is to provide you with the best possible Conventional, USDA, or FHA loan quickly and without complications. Choose one of the three paths offered to connect with suitable lenders and loan programs.
NY Bravest Federal Credit Albany Firemen took a giant step in controlling their own financial future. They formed the 609th federal credit union in the United States. Of the 800 credit unions that were formed that first year, we currently are 1 of 104 still remaining. There have been over 25, 000 credit unions throughout the last 80 plus years
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