FHA VS Conventional loan programs in Horseheads, Chemung County, New York

In 2025, the Conventional loan limit in Horseheads, nestled in the county of Chemung, NY, is $726,200. Conversely, the FHA limit for a single-family house is pegged at $472,030.

Utilize the Lendersa® Conventional loan calculator to compare the leading market rates across Conventional, FHA, and USDA loans, and ascertain the income, credit, reserves, and documentation required for qualification. With our advanced mortgage calculator, visualize side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA options to help determine which program in NY is most beneficial for your individual financial needs.

Browse through loan offers from an expansive list of 100 lenders

2025 Loan Limits and Downpayment Necessities in Horseheads, County of Chemung, NY

Type of Loan Maximum Loan Limit Required Downpayment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

These figures are applicable to the following zip codes: 14845, 14816, 14901, 14903

Options for Conventional and FHA Loans in Horseheads, NY

The goal of Lendersa® is to secure the most suitable Conventional, USDA, or FHA loan for you rapidly and effortlessly. Initiate the process using any of three beginning paths to align with matching lenders and loan programs.

View matching results for USDA loan requests at Lendersa


  • First National Bank of Kansas
  • 600 N 4th Street, Burlington, KS, 66839
  • First National Bank of Kansas offers the services of a modern financial institution while maintaining the integrity of a community bank where decisions are made locally. First National Bank of Kansas takes pride in having served our community since 1902. Our mission is to meet the needs of the market we serve by providing community leadership.
  • Rei Loans USA
  • Not sharing, Tampa, FL, 33635
  • ReiLoansUSA.com specializes in providing tailored financing solutions for real estate investors. We connect clients with funding options for fix-and-flip projects, rental properties, cash-out refinances, and ground-up construction. With a focus on speed, flexibility, and expertise, we help investors achieve their goals through competitive loan prog
  • Movement Mortgage
  • 13603 W. Hillsborough Ave, Tampa, FL, 33635
  • Movement Mortgage was created in 2008 amidst one of the biggest financial meltdowns in American history. We are committed to being a Movement of Change in the mortgage industry, in corporate cultures and in communities.We have created a corporate culture in which our employees can thrive both personally and professionally.
  • Bluewater Funding LLC
  • 5694 Baywater Drive, Tampa, FL, 33615
  • Bluewater Funding is a Mortgage Company dedicated to providing white glove service to the client. Our job is to ensure a client makes an informed decision tailored for their household goals. Whether clients are looking to purchase a home, refinance, build a home, or need a commercial loan, we have the tools
  • Elegant Financial Services Corp
  • 5811 Memorial Highway, Suite 201, Tampa, FL, 33615
  • We provice services for traditional buyers, first-time homebuyers, distressed homeowners, banks, luxury homes, high rises & condominiums, residential resale, buyer representation, rental property management, investor portfolio development, short sale processing and bank-owned property/REO.
  • United Savings Credit Union
  • 1001 1st Avenue N, Fargo, ND, 58102
  • United Savings Credit Union is dedicated to providing exceptional customer service, educating members and helping them succeed financially. Visit us online for more information. United Savings Credit Union has been open since 1935. It's the 13th largest credit union in North Dakota with assets totaling $81.35 Million
  • Freedom Community Credit Union
  • 2940 N University Drive, Fargo, ND, 58102
  • Freedom Community Credit Union is a member-owned and controlled financial organization. We promote financial responsibility and member education and involvement while maintaining long-term financial stability.Credit Union is a member-owned and controlled financial organization. We promote financial responsibility and member education
  • Fargo VA Federal Credit Union
  • 2101 North Elm Street, Fargo, ND, 58102
  • At Fargo VA Federal Credit Union, our members are our first priority. If you have questions or concerns, we want to know. We provide products and services that help the financial stability and economic growth for both our members and our community. As part of your community, we plan for the future to help individuals
  • American Federal Bank
  • 215 5th St N, Fargo, ND, 58102
  • At American Federal Bank, we know our clients and understand their farm and business operations. Our clients have confidence in the advice and solutions we offer to help them reach their goals. They know and trust that we will take care of them. Clients tell us they'd recommend American Federal in a heartbeat!
  • Fidelity Funding Mortgage Corp
  • 759 SR 580, Suite 114, Clearwater, FL, 33761
  • We’re a Florida-based direct lender specializing in both traditional and non-traditional financing options. We understand the Florida marketplace and have created a lending platform to serve the unique needs of homebuyers here in the Sunshine State. Our branch office is located in Clearwater, FL. Our home office is located in Maitland, FL
  • Professional Mortgage Alliance LLC
  • 28870 US Highway 19 North, Suite 320, Clearwater, FL, 33761
  • At Mortgage Alliance, LLC, (PMA) was founded in 2014 by its President and CEO Mr. Michael L. Banner. We operate in Florida and New Jersey Mr. Banner brings 36 years of mortgage experience to the table and has established PMA as a premier mortgage company offering Fannie Mae, Freddie Mac, FHA, VA and Reverse Mortgages.