FHA VS Conventional loan in Newburgh, Orange County, New York

In 2026, the limit for conventional loans in Newburgh, within Orange county, NY, is set at $726,525. For a single-family home, the FHA limit is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare the most competitive rates today for Conventional, FHA, and USDA loans. Determine the income, credit score, reserves, and required documents necessary to qualify. Our advanced mortgage calculator provides side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, helping you select the best loan program in NY tailored to your financial scenario.

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Details on 2026 Loan Limits and Down Payment Requirements in Newburgh, Orange, NY

Type of Loan Loan Limit Minimum Down Payment
Conventional Conforming $726,525 3%
USDA $581,200 0%
FHA $472,030 3.5%

This table is applicable to the following zip codes: 12589

Discover Conventional and FHA Loan Options in Newburgh, NY

Lendersa® is dedicated to finding you the best possible Conventional, USDA, or FHA loan quickly and simply. Choose from three starting pathways that connect you with matching lenders and suitable loan programs.

Insights from Lendersa's USDA loan request and matching results


  • New South Mortgage
  • 1101 Old Trolley Rd, Suite 100, Summerville, SC, 29485
  • New South Mortgage offers a wide selection of loan packages to meet the needs of each customer’s unique situation. Because we work with many lenders, we take the hassle out of shopping for a loan by doing the shopping for our clients. Our long time relationships with lenders also enable us to offer discounts and rates not available elsewhere.

  • Home Loans Inc
  • 2557 Ashley Phosphate, North Charleston, SC, 29418
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. Our mission is to serve our customers with honesty, integrity and competence.

  • Peoples Bank Mortgage and SBA Loans
  • 4401 Belle Oaks Drive, Suite 210, North Charleston, SC, 29405
  • Peoples Bank Mortgage is a wholly-owned subsidiary of Peoples Bank in Mendenhall, Mississippi that has been in business since 1908. Peoples Bank Mortgage offers an array of mortgage loan products which suit each individual borrower’s requirements. Whether you are a first-time home buyer, refinancing your existing mortgage

  • CPM Federal Credit Union
  • 1066 E. Montague Ave, North Charleston, SC, 29405
  • CPM Federal Credit Union was formed in 1955 by employees of the Charleston Paper Mill. We started in an old construction shed and our mission back then was to make affordable loans and deliver exceptional service to the employees of the Mill and improve their financial wellbeing. Since that time CPM has grown to $520 million in assets.

  • carolina one Mortgage
  • 4024 Salt Pointe Parkway, Suite A, North Charleston, SC, 29405
  • Carolina One Mortgage offers the promise of longevity and security along with a commitment to service excellence.
    We are recognized as the industry leader in mortgage partnerships because we are experts in our business and deliver outstanding service to our customers. Carolina One Mortgage offers hundreds of loan choices to our customers.

  • Advance Financial Federal Credit Union
  • 31 W US Highway 30, Schererville, IN, 46375
  • Established in 1937 by 8 steelworkers, Advance Financial was started and guided by the credit union philosophy and principle of “People Helping People.” Continuing in that tradition today, Advance Financial is committed to providing the utmost quality in member service and exceeding expectations.

  • REGIONAL federal credit union
  • 7144 Kennedy Avenue, Hammond, IN, 46323
  • REGIONAL Federal Credit Union is a member-owned and operated financial institution serving Northwest Indiana since 1961 The most comforting part about savings accounts at REGIONAL is the element of safety. Your accounts are federally insured by the National Credit Union Administration, an agency of the Federal Government, for up to $250,000

  • Community State Bank
  • 224 W Main St, Brook, IN, 47922
  • We are a community owned and operated bank that has served Brook and the surrounding communities for over 85 years. Visit our page often for community news and discussion as well as important bank announcements.Facebook page. We are a community owned and operated bank that has served Brook and the surrounding communities for over 85 years.

  • Whiting Refinery Federal Credit Union
  • 1339 119th Street, Whiting, IN, 46394
  • Whiting Refinery Federal Credit Union is an independent, federally chartered organization owned and directed by its members – your friends and fellow employees. We are a non-profit organization supervised by the Federal Government. Our purpose is to help you save your money conveniently.

  • HH Mortgage LLC
  • 1072 King Street, Suite D-1, Charleston, SC, 29403
  • Our mission is to earn your business by professional marketing, concern for your best interest, and assisting you in understanding and completing the real estate process. Whether you are buying or selling you can count on HH Real Estate and Mortgage to give you a very conscientious market analysis. You can expect constant communication