Explore the differences! FHA VS Conventional loan programs in Johnson-City, Broome County, New York
In 2026, the conventional loan limit for Johnson-City in Broome county, NY, is $647,200, whereas the FHA limit for a single-family home is $420,680.
Utilize the Lendersa® Conventional loan calculator to compare the best rates between Conventional, FHA, and USDA loans available today. Evaluate the required income, credit score, reserves, and documentation needed to qualify. Our advanced mortgage calculator showcases Conforming Conventional loans alongside USDA, FHA, and VA, aiding you in determining which program in NY suits your specific financial circumstances best.
2026 Loan Limits and Down Payment Requirements in Johnson-City, Broome County, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
The comparison table is specific to the following zip codes: 13790
Explore Conventional and FHA Loan Opportunities in Johnson-City, NY
Lendersa® aims to provide rapid, hassle-free access to the best Conventional, USDA, or FHA loans available. Choose one of three pathways to reach matched lenders and loan programs.
UHS Employees Federal Credit Union has been open since 1974. The credit union has assets totaling $23.59 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.
Tioga State Bank has been providing loans to business customers and forming long lasting relationships for over 150 years. We believe it’s in your best interest to have a working relationship with a local banker; one that takes time to learn your business. We know what it takes for a business to get started and to succeed. As local bankers, we know
Alternatives is a regional Community Development Credit Union (CDCU) & a Community Development Financial Institution (CDFI). Our mission is to build wealth & create economic opportunity for underserved people & communities. Our vision is to lead an economic movement to create thriving, empowered communities with financial freedom for everyone.
Our mission is to provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge & ability of our members to manage & control their financial well-being; to provide sound financial management.
The First National Bank of Groton has been proudly serving the area communities for over 150 years. The Bank is customer driven. Its very existence is based on customers finding value in the products and services being offered. The Bank prides itself on offering a superior level of personalized customer service.
