In 2025, the conventional loan limit in Johnstown, located in the county of Fulton, NY, is set at $726,200. The FHA limit, suitable for a single-family home, is $472,030.
The Lendersa® Conventional loan calculator is designed to help you compare the prime rates available today for Conventional, FHA, and USDA loans. Assess the income, credit, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator allows for a seamless side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA, enabling you to find out which option in NY best aligns with your financial needs.
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| Loan Type | Limit | Minimum Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
Note: This comparison table is applicable to these zip codes: 12095
At Lendersa®, our purpose is to connect you efficiently with the best possible Conventional, USDA, or FHA loan, eliminating unnecessary hassle. Start with one of three paths to discover lenders and programs tailored to your requirements.
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