In 2026, the limit for a Conventional loan in Hastings, located within the county of Oswego, NY, is $726,200. Meanwhile, the FHA cap for a single-family home is $472,030. These figures are vital for anyone looking to understand their borrowing capabilities within these specific limits.
Utilize the Lendersa® Conventional loan calculator to evaluate today’s best rates. You can compare Conventional, FHA, and USDA options and figure out the necessary income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator allows you to place Conforming Conventional loans alongside USDA, FHA, and VA, facilitating an informed decision about which program best suits your particular finances in NY.
Compare an array of loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
The above comparison table is pertinent to zip codes: 13103
At Lendersa®, our ambition is to swiftly secure the best possible Conventional, USDA, or FHA loan for you, free of hassle. By choosing one of three starting points, you can find matching lenders and loan programs tailored to your needs.
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