Explore the differences! FHA VS Conventional loan programs in Niagara, Niagara County, New York
In the year 2025, the conventional loan limit set for Niagara, which is within the county of Niagara, NY, is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® Conventional loan calculator to compare the most competitive rates for Conventional, FHA, and USDA loans available today. Discover the needed income, credit score, reserves, and documentation for qualification. With our sophisticated mortgage calculator, you can view Conforming Conventional loans, USDA, FHA, and VA side by side, thus helping you select the program in NY that best aligns with your unique financial needs.
2025 Loan Limits and Down Payment Requirements in Niagara, Niagara, NY
Loan Type
Maximum Loan
Minimum Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison table is applicable to the following zip codes: 14305, 14304
Exploring Conventional and FHA Loan Paths in Niagara, NY
The aim of Lendersa® is to efficiently connect you with the top Conventional, USDA, or FHA loan options without hassle. Choose your starting point from three available paths, leading you to matched lenders and tailored loan programs.
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