FHA VS Conventional loan programs in Larchmont, Westchester County, New York

For 2025, the limit on Conventional loans in Larchmont, within Westchester County, NY, is $1,089,300. Conversely, the FHA limit for a single-family home is set at $1,089,300.

Utilize the Lendersa® tool for Conventional loans to compare the most competitive Conventional, FHA, and USDA rates available today. It helps identify the income, credit, reserve, and documentation requirements necessary for qualification. With our sophisticated mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side to assist you in choosing the most suitable program for your financial needs in NY.

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2025 Loan Limits and Downpayment Criteria in Larchmont, Westchester County, NY

Loan Type Loan Limit Downpayment
Conventional Conforming $1,089,300 3%
USDA $0 0%
FHA $1,089,300 3.5%

The above comparison table is relevant for the following zip codes: 10538

Explore Conventional and FHA Loan Options in Larchmont, NY

The mission of Lendersa® is to swiftly secure you the best available Conventional, USDA, or FHA loan options in a seamless manner. Choose from three starting points that align with matching lenders and their loan offerings.

Lendersa's USDA loan requests and matching outcomes


  • Italo-American Federal Credit Union
  • 66-52 Myrtle Avenue, Ridgewood, NY, 11385
  • Italo-American Federal Credit Union was started by a group of Italian-Americans in 1935, to serve the needs of the Italian immigrant population of New York City, at a time when financial assistance was not available to them. Unlike banks, Credit Unions are owned and run by its members. There are no outside stockholders.
  • Ridgewood Savings Bank
  • 7102 Forest Ave, Ridgewood, NY, 11385
  • Whether you are looking to save, invest, borrow or anything in between, we offer a wide choice of financial services to meet your every need including Savings and Checking Accounts, Mortgages and Commercial Loans, Retirement Accounts, Equity Loans and Lines of Credit, plus the convenience of Online Banking.
  • Riverside Park Capital - Commercial Mortgages
  • 10 Times Square, New York, NY, 10018
  • We launched in 2015 with a single goal in mind, be different. Yes, we provide good terms, and yes our options are flexible and unique, but what truly sets us apart is our team. Every director, associate and underwriter has a minimum of ten years professional commercial banking experience none of our competitors can say the same.
  • Great Northern Mortgage
  • 1430 Broadway, Suite 1207, New York, NY, 10018
  • Great Northern Mortgage is one of the top New York based commercial and residential real estate mortgage companies, specializing in the placement of financing for commercial and residential real estate and business transactions. At Great Northern Mortgage we are dedicated to facilitating all of your real estate based financial needs.
  • Empire State Mortgage
  • 3504 Park Avenue, Weehawken, NJ, 07086
  • 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.
  • Cliffco Mortgage Bankers
  • 70 Charles Lindbergh Blvd, Suite 200, Uniondale, NY, 11553
  • Cliffco Mortgage Bankers, we value every client who enters our office, gives a call, or sends an email our way. You are never just a number to us. As a privately owned and operated lending institution with established roots in our local communities, we pride ourselves on walking our customers through every step of the mortgage loan process.
  • Arbor Realty Trust
  • 333 Earle Ovington Boulevard, Suite 900, Uniondale, NY, 11553
  • Arbor is not just another commercial and multifamily lender, but your financial partner that personally works with you to customize the right loan solution. Arbor Realty Trust, Inc. has helped multifamily and commercial real estate clients achieve their financial goals by focusing on growing long-term relationships and conducting business.
  • Woori America Bank
  • 330 Fifth Avenue, New York, NY, 10001
  • Woori America Bank, which is wholly-owned US subsidiary of Woori Bank, Korea, provides various fast-track banking services such as remittances, international trade finance and account opening services through established banking networks of Woori Bank, Korea over 1, 000 in domestic Korea and 35 overseas branches in London, Singapore, Hong Kong, Chi
  • Community Federal Saving Bank
  • 5 Penn Plaza, 14th Floor, New York, NY, 10001
  • CFSB has focused on providing superior service and added value to clients though a solid understanding of relationship banking. We offer a full range of services, including loans, bill payments, card services, internet banking, and merchant processing. More importantly, we work with you to customize our products and services to meet your needs.
  • Amalgamated Mortgage Corporation
  • 275 7th Ave, New York, NY, 10001
  • For nearly a century, Amalgamated Bank has been America’s Socially Responsible bank supporting thousands of people, organizations, causes and businesses. We work to make the world more equitable and sustainable for all by helping those who do good do better. Nonprofits, labor unions, advocacy groups, socially responsible businesses.
  • Red Wagon Mortgage LLC
  • 224 West 35th Street, Suite 1401, New York, NY, 10001
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.