FHA VS Conventional loan programs in Malone, Franklin County, New York

For the year 2026, the conventional loan limit applicable in Malone, within the county of Franklin, NY, stands at $726,200, whereas the FHA loan limit for a single-family residence is $472,030.

Leverage the Lendersa® Conventional loan calculator to compare the current top-rated Conventional, FHA, and USDA rates. Analyze the necessary income, credit scores, reserves, and documentation required to qualify. This sophisticated mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA loans, offering a comparative view to help you make the best financial decision tailored to your needs in NY.

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2026 Loan Limits and Down Payment Requirements in Malone, Franklin County, NY

Type of loan Limit on Loan Minimum 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: 12953

Explore Conventional and FHA Loan Options in Malone, NY

Lendersa® focuses on delivering the best available Conventional, USDA, or FHA loans quickly and without inconvenience. Start with one of our three options, leading you to matched lenders and loan programs.

Results for Lendersa's USDA loan requests and matches


Malone Lenders

  • UFirst Federal Credit Union
  • 274 Rugar Street, Plattsburgh, NY, 12901
  • Lends in New York
  • In 1971, SUNY Plattsburgh Federal Credit Union officially opened for business. Back in 1971, the SUNY Business & Economic Department, the United University Professions and Civil Service Employees, had a vision of providing a place where faculty and staff of SUNY Plattsburgh could save and get loans at fair rates.

  • Champlain National Bank
  • 3900 NYS Route 22, Willsboro, NY, 12996
  • Lends in New York
  • Champlain National Bank’s history dates back to 1909 when Lake Champlain National Bank began operations in Westport, NY. The Champlain National Bank that exists today was formed in 1959 as the result of the merger between Essex County National Bank in Willsboro, NY (founded in 1921) and Lake Champlain