Explore the differences! FHA VS Conventional loan programs in Milford, Otsego County, New York
In 2025, the conventional loan limit in Milford, which is part of Otsego county, NY, is $726,200, whereas the FHA loan limit for a single-family home stands at $472,030.
Utilize the Lendersa® Conventional loan calculator to explore current rates for Conventional, FHA, and USDA loans. It determines the necessary income, credit, reserves, and documents required for qualification. Our advanced calculator presents Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the most appropriate program in NY to match your financial needs.
Loan Limits and Down Payment Information for 2025 in Milford, Otsego County, NY
Loan Type
Maximum Loan Amount
Minimum Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The data above applies to these zip codes: 13834, 13807, 12116, 13820, 13747
Options for Conventional and FHA Loans in Milford, NY
The purpose of Lendersa® is to quickly provide you access to the most suitable Conventional, USDA, or FHA loan options, ensuring a seamless process. Start with one of these three options to connect with matching lenders and programs:
Members Choice Credit Union opened its doors in 1932, as Armco Employees Credit Union. In 1989, we moved to our Russell Road location so we could properly facilitate our member's needs. In the early 1990's, our credit union began to grow and we began offering our services to additional employee groups.
At EZ Mortgage Loans Inc., we'll assist you in obtaining the right loan for your rural home purchase. We will find a mortgage that's affordable and is a good match with your income, budget and home-ownership goals. Whether you are purchasing a property in Ohio or Kentucky, our experienced loan officers will guide you through the entire process.
Ashland Credit Union is a not-for-profit, member-owned, full-service financial institution that has been serving members throughout the United States since 1942.Ashland CU currently has four locations – a main headquarters in Ashland, KY, a public branch in Cottage Grove, MN, a private branch at Ashland Global Holdings in Dublin, OH.
First Flight Federal Credit Union is a full-service financial institution that has been serving members around the world since 1952. With branches across the state, First Flight serves a broad membership including residents in many area communities and employees of a variety of industries
Astera Credit Union is based in Lansing, Michigan. It serves over 15, 000 members with four branches in Lansing, DeWitt, & Ionia. It supports nearly 150 employer groups by providing direct deposit & other financial tools for their employees.
Astera was founded in 1949 by employees at Lansing's Fisher Body Plant to provide honest & affordable l
Farm Bureau Family Credit Union was chartered in December 1933 as a member-owned financial institution to serve the employees of the Michigan Farm Bureau Family of Companies, their family members, and Farm Bureau members statewide.
Our field of membership includes:
Michigan Farm Bureau members
Farm Bureau Insurance of Michigan customers
Our mission at US Capital Mortgage Partners is to provide personal, caring mortgage solutions for every potential homeowner that gives us the opportunity. We are committed to build meaningful relationships with our customers through finding the best products with a competitive rate and excellent customer service.
Glacier Financial was established in 2001, & has quickly earned the respect of the entire community by becoming the area’s leading mortgage provider throughout central Mi. By offering our customers top notch service along with the area’s lowest interest rates, Glacier Financial has been recognized as the #1 residential mortgage company in Mid Mi.
The IH Credit Union, Inc. was organized in 1934 as a State Chartered Credit Union and is a non-profit corporation whose purpose is to serve the financial needs of its members, who are also owners. When a person opens a share account, he or she actually purchases a "share" in the cooperative.
Amy is a very passionate woman who takes the business of mortgage banking and helping people realize their dream of financial independence very seriously. She started in mortgage banking in Los Angeles in the early 1990’s and her business has bloomed. She is now one of the top loan officers in the country NMLS# 106455.
