Explore the differences! FHA VS Conventional loan programs in Lee, Oneida County, New York

In 2026, the conventional loan limit for a single-family home in Lee, within Oneida county, NY, is $726,200, whereas the FHA limit is $472,030.

Use the Lendersa® Conventional loan calculator to compare today's top rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator gives you a side-by-side view of Conforming Conventional loans along with USDA, FHA, and VA options to aid your choice of the best program in NY for your financial needs.

Explore loan offers from over 100 lenders

Loan Limits and Down Payment Requirements for 2026 in Lee, Oneida, NY

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

This table is applicable to the zip codes: 13471

Available Conventional and FHA Loan Options in Lee, NY

The mission of Lendersa® is to secure the best possible Conventional, USDA, or FHA loans swiftly and without hassle. Choose one of three initial steps to connect with suitable lenders and loan programs.

USDA loan request results through Lendersa


Lee Lenders

  • AmeriCU Credit Union
  • 1916 Black River Blvd N, Rome, NY, 13440
  • Lends in New York
  • AmeriCU is a not-for-profit credit union owned by members like you. We offer the same products and services as a bank (plus insurance and financial planning) – but with low or no fees, and better rates. Founded in 1950, today AmeriCU has grown to more than 127, 000 members and more than $1.5 billion in assets.

  • ACCESS Federal Credit Union
  • 6 Franklin Avenue, Clinton, NY, 13323
  • Lends in New York
  • ACCESS Federal Credit Union was chartered in 1947 as the Oneida Limited Employees Federal Credit Union. It was open to employees and their families of Oneida Silversmiths. In June of 1999, we changed our name to ACCESS Federal Credit Union. In August 2000, the National Credit Union Administration (NCUA) approved our request

  • Bank of Utica
  • 222 Genesee Street, Utica, NY, 13502
  • Lends in New York
  • Bank of Utica is a full service commercial bank headquartered in Utica, NY. Bank of Utica offers a traditional line of products expected at a community bank, as well as some cutting edge services offered at larger banks. Bank of Utica was founded in 1927 and has been locally owned and operated since its inception.

  • GPO Federal Credit Union
  • 4311 Middle Settlement Road, New Hartford, NY, 13413
  • Lends in New York
  • GPO Federal Credit Union is proud to be one of the area’s largest credit unions, serving more than 30, 000 members from Oneida, Herkimer, Madison Counties and beyond. As a credit union, we are a not-for-profit, member-owned financial cooperative. At GPO, our mission statement is simple, ‘Our Focus is You’. We aim to serve our members.

  • First Source Federal Credit Union
  • 4451 Commercial Drive, New Hartford, NY, 13413
  • Lends in New York
  • First Source Federal Credit Union is dedicated to helping people Live Smarter, offering financial services and education to improve the quality of life of their Members and the communities they serve. Founded in 1938, First Source is a not-for-profit, Member-owned financial cooperative with branches in New Hartford, North Utica, South Utica, Rome,

  • Adirondack Bank
  • 185 Genesee Street, Utica, NY, 13501
  • Lends in New York
  • Adirondack Bank, we value putting a face to a name. That’s why for over a century we’ve personally dedicated ourselves to delivering trusted, full-service community banking to the families and businesses of Upstate New York. Adirondack Bank consistently provides cutting edge banking, standing as an eight-time recipient of the Small Business Lender

  • Countryside Federal Credit Union
  • 5720 Commons Park Drive, East Syracuse, NY, 13057
  • Lends in New York
  • Countryside Federal Credit Union has been open since 1941. The credit union has assets totaling $164.5 Million and provides banking services to more than 5, 000 members.

    The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member

  • Community Bank, N.A.
  • 5821 Bridge Street, East Syracuse, NY, 13057
  • Lends in New York
  • Community Bank System Inc. (NYSE:CBU) is a full-service financial institution with more than 215 customer locations across New York, Pennsylvania, Vermont & Massachusetts, where we’re known as Community Bank, N.A. With over $13 billion in assets, we have the resources to finance a wide range of personal, small business & commercial business needs.

  • Approved Credit Services, Inc NMLS #9604
  • 2572 Erie Blvd. East, Syracuse, NY, 13224
  • Lends in New York
  • We are experts in locating the loan that fits your individual circumstances. We have extensive experience in financing manufactured and mobile homes since 1994. We pride ourselves upon finding the best loan for you in the shortest possible time, plus making the experience as hassle-free as possible.