For the year 2026, the conventional loan cap in Mexico, located in the county of Oswego, NY, stands at $726,200. Meanwhile, the FHA limit for single-family homes is set at $472,030.
Utilize the Lendersa® Conventional loan calculator to evaluate current rates for Conventional, FHA, and USDA loans. Determine necessary income, credit, reserves, and documentation to qualify. Our sophisticated mortgage calculator allows you to compare Conforming Conventional loans, USDA, FHA, and VA programs simultaneously, helping you choose the best option in NY for your financial needs.
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| Loan Type | Loan Cap | Minimum Down Payment | |
| Conventional Conforming | $726,200 | 3% | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% |
This comparison table is applicable to zip codes: 13131
The Lendersa® mission is to secure you the optimal Conventional, USDA, or FHA loan swiftly and effortlessly. Start from any of these three options to receive lender matches and tailored loan programs.
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