FHA VS Conventional loan in Niskayuna, Schenectady County, New York

In 2025, the Conventional loan maximum in Niskayuna, Schenectady county, NY, is set at $726,200, whereas the FHA limit for a single-family residence stands at $472,030.

Utilize the Lendersa® Conventional loan calculator to compare today's leading rates among Conventional, FHA, and USDA options. Determine the income, credit status, reserves, and required documents for qualifying. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in selecting the most suitable program in NY for your financial needs.

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2025 Loan Limits and Downpayment Requirements in Niskayuna, NY

Loan Category Loan Limit Required Downpayment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This comparison table is relevant to these zip codes: 12304, 12309

FHA and Conventional Loan Options in Niskayuna, NY

At Lendersa®, our goal is to provide the best possible loan options—be it Conventional, USDA, or FHA—quickly and effortlessly. Select one of three pathways to connect with matching lenders and loan programs.

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  • Principle Home Loans
  • 3208 Highlands Lakeview Cir, Lakeland, FL, 33812
  • "We are a Mortgage Firm based out of Lakeland, FL working and licensed in the State of Florida. Principle Home Loans is dedicated to finding great rates and the perfect loan option for you, with the fastest turn time in the industry. Our goal is to act as your trusted advisor, providing personalized service"
  • Belsky Mortgage LLC
  • 24406 Summer Wind Ct, Lutz, FL, 33559
  • A well diversified mortgage broker who works in both the residential and commercial real estate. A large network of lending resources for nearly any deal. Fully licensed for primary residential homes in FL, NC, OH, and TX. Private and Commercial Investment lending in 48 states. Reach out to see what we can do for you today!
  • Farmers Bank of Kansas City
  • 14231 Metcalf Ave, Overland Park, KS, 66223
  • We provide deposits and lending services to a broad range of consumer, retail, manufacturing, agricultural, energy, real estate and commercial customers. Our community banks provide hometown service, resources and support for the eight communities we serve in central Kansas and Overland Park, Kansas.
  • KUMC Credit Union
  • 12510 W 62nd Terrace, Suite 104, Shawnee, KS, 66216
  • KUMC Credit Union was established in 1954 and is chartered by the State of Kansas. Our Credit Union is a not-for-profit financial cooperative owned by its members. Credit Unions were founded on the idea that through a cooperative financial effort, individuals sharing common bonds could benefit.
  • Treynor State Bank
  • 15 East Main Street, Treynor, IA, 51575
  • TS Bank we are all about community prosperity and much of this vision has helped to attract and retain talented and committed employees. Due to our Chairman of the Board, Mick Guttau's military experience, one of the concepts implemented at the bank was "the troops come first."​ Mick has a famous quote which really exemplifies the entire culture
  • Kendall Bank
  • 11225 College Blvd, Suite 150, Overland Park, KS, 66210
  • For more than 120 years, Kendall Bank has been dedicated to helping individuals, families, and businesses achieve their financial goals. Today, we remain committed to providing every customer with an exceptional all-inclusive banking experience that combines big-bank expertise and technology
  • FIRST FEDERAL BANK of KANSAS CITY
  • 6900 N. Executive Drive, Kansas City, MO, 66210
  • We are First Federal Bank of Kansas City, and our mission is helping the people and communities we serve build a brighter financial future. That means being the community banking leader in providing customer-focused products, insight and encouragement. It's a purpose bigger than profit. By promoting the power of homeownership
  • Mortgage Enterprises
  • 10955 Lowell, Suite 510, Overland Park, KS, 66210
  • At Mortgage Enterprises. We are a professional mortgage company in Kansas and Missouri specializing in residential mortgages. We find loans that fit the goals of each client. We have highly skilled loan officers who know what it takes to get through underwriting quickly while keeping you informed of your process every step of the way.
  • Himalaya Mortgage
  • 11881 West 112th Street, Overland Park, KS, 66210
  • 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.
  • Kendall Mortgage
  • 11225 College Blvd, Suite 100, Overland Park, KS, 66210
  • At Kendall Mortgage, we make the entire home buying process simple & seamless. Whatever your goals, we provide you with the information, resources, & personal service you need to make your home buying dream a reality. Our mission is to provide unparalleled service to our clients. Our goal is to provide home loans with the lowest interest rates.
  • United Mortgage
  • 9393 W 110th St, Suite 350, Overland Park, KS, 66210
  • Established in 2007, United Mortgage has been recognized as one of the fastest-growing private companies in America and is now considered a premiere purchase lender, currently serving Arizona, California, Colorado, Florida, Iowa, Kansas, Missouri, Oregon, Texas, and Washington. At United Mortgage,