FHA VS Conventional loan programs in Niagara-Falls, Niagara County, New York

In 2025, the conventional loan limit for Niagara-Falls, in the county of Niagara, NY is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680.

Utilize the Lendersa® Conventional loan calculator to compare today's leading rates for Conventional, FHA, and USDA loans. Assess your qualifications by examining the income, credit, reserves, and documentation needed. Our advanced mortgage calculator allows you to juxtapose Conforming Conventional loans with USDA, FHA, and VA loans, thereby aiding you in choosing the optimal program in NY for your financial circumstances.

Browse loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Niagara-Falls, County of Niagara, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison table applies to the following zip codes: 14303, 14302, 14301, 14305, 14304

Explore Conventional and FHA Loan Options in Niagara-Falls, NY

The goal of Lendersa® is to provide you with the best possible Conventional, USDA, or FHA loan quickly and without complications. Choose one of the three paths offered to connect with suitable lenders and loan programs.

Lendersa matching results for USDA loan requests


  • Redstone Bank
  • 15765 East Arapahoe Road, Centennial, CO, 80016
  • Redstone Bank is a full-service community bank offering you and your business all the products and services you will need as a valued banking customer. We make banking simple. No fancy names, no confusing fee schedules; just banking products and services that will help to streamline your banking functions and make life a little easier.
  • Alliance Guaranty Mortgage Corp
  • 6105 S Main St, Suite 200, Aurora, CO, 80016
  • Alliance is a family-owned and operated company. The founder and former CEO, Bill Skufca, served Colorado homeowners since 1958. He retired at the end of 2016 after commemorating 30 years of Alliance Guaranty Mortgage. In April of 2018 Bill passed away, leaving behind a legacy of Colorado home-ownership.
  • Mountain States Lending Inc
  • 7929 South Quemoy Way, Aurora, CO, 80016
  • Mountain States Lending are a first time home buyer needing financial assistance, buying your next investment property or something in between, we can help! We can help you purchase or refinance your primary residence, 2nd home or investment property. Along with the traditional Conventional, FHA, VA, Jumbo and USDA loans and more
  • Mortgage First LLC
  • 6140 South Gun Club Drive, Building K6, Suite 195, Aurora, CO, 80016
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Synergy Mortgage Solutions LLC
  • 7186 South Ukraine Street, Aurora, CO, 80016
  • We are independent mortgage brokers offering both purchase and refinance options for Conventional, FHA and VA mortgages. With our wealth of knowledge after nearly 20 years of industry experience our clients not only enjoy a smooth and fast process but also the lowest rates and costs for their specific scenario.
  • Custom Mortgage Solutions LLC
  • 7995 South Coolidge Way, Aurora, CO, 80016
  • Custom Mortgage Solutions, LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.
  • Colorado Mortgage Coach
  • 10952 S Pikes Peak Dr, Parker, CO, 80138
  • Colorado native and a veteran of 25 years in the mortgage business this professional can assist you in your search for a new mortgage. Rob has been involved in every aspect of the mortgage profession from data entry to selling loans on the secondary market. Rob has learned all stages of the mortgage process by originating, processing,
  • Mountain Financial Mortgage Group Inc
  • 19501 East Mainstreet, Suite 200, Parker, CO, 80138
  • Mountain Financial Mortgage Group, Inc. is a Colorado mortgage broker that has been offering a full menu of loan products and personalized customer service since 1994. When you work with Mountain Financial Mortgage you work directly with an experienced licensed Loan Originator that personally guides your loan every step of the way.
  • Stewart Closes LP
  • 19751 E Mainstreet, Suite 253, Parker, CO, 80138
  • We strive to provide borrowers with wholesale financing at the lowest rates and with the quickest closing turn times while assessing rate forecasts and influential economic factors. We offer wholesale rates for all conventional and jumbo mortgage loans. Our service is genuine and reliable. Most importantly, we keep our customers happy.
  • PLUM CREEK FUNDING, INC.
  • 10952 South Pikes Peak Drive, Parker, CO, 80138
  • Plum Creek Funding has been serving the mortgage needs of homeowners and businesses in Colorado for over 25 years. At Plum Creek Funding, we understand that the process of securing a mortgage can be intimidating. That’s where our experienced mortgage brokers truly make a difference.
  • Rocky Mountain Law Enforcement Federal Credit
  • 992 Potomac Cir, Aurora, CO, 80011
  • Originally founded by the Denver Police Department, RMLEFCU has proudly served law enforcement professionals and their families since 1938. Over the years, we have grown to include a membership of more than 10,000 members and assets in excess of $145 million. RMLEFCU is regulated by the National Credit Union Administration (NCUA).