FHA VS Conventional loan programs in 2025 for Kirkland, Oneida County, New York

In the year 2025, the limit for Conventional loans in Kirkland, located in the county of Oneida, NY, is $726,200. In contrast, the FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to weigh today's top rates between Conventional, FHA, and USDA. Discover the necessary income, credit rating, reserves, and documentation to qualify. Our comprehensive mortgage calculator showcases Conforming Conventional loans, USDA, FHA, and VA side by side, assisting in selecting the ideal program in NY for your unique financial scenario.

Explore more than 100 loan offers from diverse lenders

2025 loan limits and required down payments in Kirkland, county of Oneida, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table is relevant for the following zip codes: 13321, 13323, 13328, 13341

Available loan options for Conventional and FHA in Kirkland, NY

The objective of Lendersa® is to swiftly and effortlessly secure you the best Conventional, USDA, or FHA loan options. You can begin with any of the three paths offered, which lead to expertly matched lenders and loan programs.

Lendersa's database of USDA loan requests and matches


  • Ruby Rose Loans and Processing
  • 5353 West Dartmouth Avenue, Suite 519, Denver, CO, 80227
  • "Ruby Rose Investments dba Ruby Rose Loans and Processing was formed with the intention of helping others build security in real estate. At the time I started my own company in 2004 I had been doing residential real estate for five years and was advised to form my own company."
  • EquiLane Lending, LLC
  • 3190 S Wadsworth Blvd, Suite 200, Lakewood, CO, 80227
  • The EquiLane Lending, LLC team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Mortgages Plus Inc
  • PO Box 3326, Boulder, CO, 80307
  • Our mortgage experts give you the individual attention you deserve - our priority is you. Mortgages Plus is trusted by clients and Colorado’s real estate professionals offering Lending at Its Best: | commitment to excellence | competitive rates | integrity | knowledge | exceptional service | loans that fit your lifestyle and financial goals |
  • Aventa Credit Union_Pueblo
  • 2735 Dublin Boulevard, Colorado Springs, CO, 80918
  • Aventa Credit Union is a financial services company based out of Colorado Springs, Colorado, United States and serves the Pueblo and San Luis Valley communities as well. Aventa Credit Union is dedicated to protecting your identity and account information. We go above and beyond with products like intrustion software, biometrics.
  • StrongTower Mortgage
  • 5350 N. Academy Blvd, Suite 205, Colorado Springs, CO, 80918
  • Our mission is very simple. Treat people the way you want to be treated. Proverbs 18:10 says “The name of the Lord is a strong tower: the righteous man runneth into it, and is safe. Strong-Tower truly wants everyone we work with to feel safe and understand that we will always be honest in our interaction.
  • Monumental Mortgage LLC
  • 1935 Dominion Way, Suite 200, Colorado Springs, CO, 80918
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Colorado Home Mortgage & Financial Ltd
  • 5555 Erindale Dr, Suite 206, Colorado Springs, CO, 80918
  • Colorado Home Mortgage & Financial Ltd. is your source for a variety of HOME LOAN FINANCING OPTIONS. Located in Colorado Springs, CO, We SPECIALIZE in VA, CONVENTIONAL, FHA, JUMBO and NON-PRIME FINANCING! Whether you’re buying a home or refinancing your current mortgage, the experts at Colorado Home Mortgage & Financial Ltd. are here for you.
  • Integrity Mortgage & Financial Inc.
  • 5528 Library Ln, Colorado Springs, CO, 80918
  • Integrity Mortgage & Financial Inc, located in Colorado Springs, CO was founded in March 2002 by Russell Rowe. We are a mortgage banker and are licensed in both Colorado and New Mexico. Leveraging the extensive experience of its senior management and loans officers, Integrity Mortgage & Financial Inc offers a broad range of loan products
  • Diversified Lending
  • 5350 N Academy Blvd, Suite 204, Colorado Springs, CO, 80918
  • Jerry started Diversified Lending in 2005 as a response to a need for open, competitive, transparent lending practices. His business has steadily grown through referrals, partnerships with local professionals, and word-of-mouth. His home loan practices are diligent and thorough, and he strives to serve as best mortgage broker in town.
  • Vision Home Loans
  • 6208 Lehman Dr, Suite 202, Colorado Springs, CO, 80918
  • At Vision Home Loans, you will be working directly with Mike or Sandy to complete your loan. We make the process simple for you, complete all paperwork, and keep you up-to-date every step of the way. We are here to answer any questions and make the loan process as stress-free as possible.
  • Springs Home Mortgage
  • 5585 Erindale Dr, Suite 201, Colorado Springs, CO, 80918
  • Springs Home Mortgage offers full mortgage services to help buyers be comfortable with their financial decisions when buying a house or condo. We’ll enthusiastically help get you pre-approved. Getting approved ahead of time will simplify your home search. When you find the right home and place your bid, the seller will know you are ready.