Explore the differences! FHA VS Conventional loan programs in Oneonta, Otsego County, New York

For the year 2026, the limit on conventional loans in Oneonta, which is in Otsego county of NY, stands at $726,200. For FHA loans, the limit is $472,030 applicable to a single-family house.

Utilize Lendersa®'s Conventional loan calculator to weigh today's top Conventional, FHA, and USDA rates. Determine necessary income, credit, and documentation to qualify. Our advanced calculator thoroughly compares Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in making the best decision for programs in NY that suit your financial situation specifically.

Analyze loan offers from up to 100 lenders

Loan Limits and Down Payments in Oneonta, Otsego, NY for 2026

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table applies to the following zip codes: 13820

Explore Conventional and FHA Loan Options in Oneonta, NY

The mission of Lendersa® is to swiftly secure the most suitable Conventional, USDA, or FHA loan with minimal hassle. Choose from three starting options to be matched with appropriate lenders and loan programs.

Results of Lendersa USDA loan requests and matching


  • Quarry City Savings and Loan Association
  • 713 PCA Road, Warrensburg, MO, 64093
  • Established in 1890, Quarry City Savings and Loan is a local, community-oriented financial institution providing honest personal service to our customers. Our Mission at Quarry City Savings & Loan is to build and maintain solid relationships with the community we live in and the clients we serve.

  • O'Bannon Bank
  • 1347 South Ash Street, Buffalo, MO, 65622
  • O’Bannon Banking Company was incorporated on November 20, 1905 as a Missouri State Bank with a mission of providing banking services with a personal approach to all of our customers, both business and individual. Our mission remains unchanged as we continue to provide "A Tradition of Personal Service” and a wide range of financial products.

  • Minnesota National Bank
  • 131 12th St S., Sauk Centre, MN, 56378
  • Minnesota National Bank is a vibrant & growing community bank operating in the Sauk Centre, Long Prairie & Pelican Rapids markets. Like the fatherly advice you may have received once while sitting on the end of a dock, Minnesota National Bank prides itself in getting to know customers & providing advice to help you make better financial decisions.

  • Addition Financial Credit Union
  • 1000 Primera Blvd, Lake Mary, FL, 32746
  • Addition Financial is a member-owned, not-for-profit financial cooperative, offering comprehensive financial solutions that help members achieve their financial goals. We exist solely for the benefit of our members, and we return our profits to them in the form of lower loan rates, higher dividends on savings, and lower fees.

  • Oceans Lending Mortgage Lender in Lake Mary Orange County Sanford Oviedo
  • 3098 W Lake Mary Blvd, 2nd Floor, Lake Mary, FL, 32746
  • Ocean’s mission is to become the mortgage industry standard by elevating customer relationships and service. Oceans’ corporate platform is built on high morals and ethics, honor and integrity. These are the reasons clients will be able to trust the information and service they receive is unsurpassed.

  • Key Star Mortgage Group LLC
  • 801 International Parkway, Suite 500, Lake Mary, FL, 32746
  • 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.

  • Assure Home Funding LLC
  • 1540 International Parkway, Suite 2000, Lake Mary, FL, 32746
  • Assure Home Funding gives you access to a large group of lenders, providing a variety of business capital advance options that can be tailored to fit your particular needs. We offer unique opportunities to secure the funding you need for your business, often when traditional lenders are not an option.

  • Emerald Financial Partners Inc
  • 255 Primera Blvd, Suite 160, Lake Mary, FL, 32746
  • Emerald Mortgage Partners was established with one mission in mind: Making the tedious and complicated process of mortgage and lending simpler, easy to understand and straightforward. EFP also not only provides the knowledge and expertise during, but also after the sale, to ensure your loved ones and valuables are protected and secure.

  • Premier Home Funding
  • 773 Stirling Center Place, Lake Mary, FL, 32746
  • Premier Home Funding, we serve our clients with old fashioned values: honesty, hard work, education, and service with enthusiasm. Our goal is to ensure a smooth process while providing excellence in each transaction. We want to make your dream home a reality and an investment that will benefit you and your family for many years to come

  • CAPITALPlus Mortgage & Underwriting Services, Inc
  • 1337 S. International Parkway, Lake Mary, FL, 32746
  • CapitalPlus Mortgage have been providing mortgage origination, underwriting, and collateral review services in Florida for more than 25 years. We are a team of experienced professionals committed to providing counsel, education, cost efficiencies, product enhancements, and final results that are always in our Client’s best interest.

  • Atlantic Bay Mortgage Group
  • 255 Primera Blvd Suite 160, Lake Mary, FL, 32746
  • Atlantic Bay Mortgage Group® is a privately owned national mortgage lender headquartered in Virginia Beach, Virginia with over 800 associates and is licensed in 23 states and growing. Atlantic Bay has helped over 130,000 families find the home of their dreams Atlantic Bay has received several top recognitions.

  • Trinity Mortgage Company of Central Florida, LLC
  • 581 Technology Park Suite 1001, Lake Mary, FL, 32746
  • Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.