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

For the year 2025, 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 2025

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


  • Jacog Financial Group
  • 3400 Northwest 78th Avenue, Doral, FL, 33122
  • JACOG Advisors is a full service professional commercial real estate team. We provide our valued clients over 23 years of real estate finance, sales, and leasing experience. Our focus is to do what we do best, and that is helping our clients achieve their investment objectives by guiding them with deep insight
  • True Lending Partners
  • 3403 NW 82nd Avenue Ste 210, Miami, FL, 33122
  • At True Lending Partners, we have access to numerous products and services. However, this process of explanation and understanding the pros and cons of each situation may be difficult. Contact your friendly True Lending Partners broker for full, easy-to-understand explanations and find out just what we can provide to suit your specific needs.
  • Neighborhood Housing Services of South Florida Inc
  • 300 Northwest 12th Avenue, Miami, FL, 33128
  • Established in 1978, NHSSF is a 501(c)(3) chartered member of the NeighborWorks® network. We are amongst a nationwide network of 245 trained and certified community development organizations at work in more than 4, 400 communities across America. NHSSF provides a full spectrum of homeownership services in English
  • South Florida Federal Credit Union
  • 1902 NW 14 Avenue, Miami, FL, 33125
  • South Florida Federal Credit Union merged with Guardians Credit Union to become South Florida FCU, A Division of Guardians Credit Union. We did not think of this next step as a merger, but more so a partnership with Guardians Credit Union, as SFFCU will keep its brand and identity and will function as a division of Guardians Credit Union.
  • Bourgeois & Associates Mortgage, LLC
  • 8050 Crowder Blvd, Suite A, New Orleans, LA, 70127
  • At Bourgeois & Associates Mortgage, LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • C Bridge Inc
  • 1395 Brickell Avenue, Suite 800, Miami, FL, 33131
  • We are a commercial real estate lending company who focuses on short term loans. We are a Commercial Bridge Lender with 20+ years experience facilitating quick transactions from $500,000-$10,000,000. Construction loans, value add multifamily, condominium construction loans, marinas, hotels, warehouses.
  • R&R Capital Holdings
  • 777 Brickell Avenue, 5th Floor, Miami, FL, 33131
  • R&R Capital has successfully accomplished this goal by reason of our experience in real estate, pricing, due diligence, and management of distressed residential mortgage assets. This specialization in whole loans enables R&R Capital to provide our investors with an enticing return.
  • Milo
  • 1101 Brickell Ave, Suite 1700, Miami, FL, 33131
  • At Milo, we are building amazing digital solutions and rethinking what’s possible. Milo has built the leading home credit solution for global consumers. By building our technology stack from the ground up and bringing on a world class team, we have already lent out millions of dollars to amazing consumers.
  • Sedemil Mortgage Services, LLC.
  • 848 Brickell Ave, Suite 1220, Miami, FL, 33131
  • Sedemil Mortgage we will offer the ideal financing solutions to fit your needs. We offer real estate loans for home purchase, refinance, debt consolidation, equity loan, commercial loans, and new construction. We are proud to help customers from Miami Dade, Broward and Palm Beach counties buy the home of their dreams through.
  • Jocic Capital, LLC
  • 41 SE 5th Street, Miami, FL, 33131
  • Founded in 2017, Jocic Capital is an asset-based private lender and a diversified real estate capital markets solutions firm in the business of deploying capital against real estate, typically as short-term bridge loans to acquire, refinance, re-purpose, or new construction development.
  • US Eagle Mortgage Co
  • 17 East Flagler Street, Suite 210, Miami, FL, 33131
  • "At US Eagle Mortgages, we pride ourselves on our knowledge and experience. Whether you are building your dream home, want to buy your first home or purchase an investment property, we have the financing knowledge and the right expertise that lets you achieve your goal. Our team can help you by providing strategies to pay down your mortgage faste
  • International Monetary Mortgage Fund Inc
  • 777 Brickell Drive, Suite 500, Miami, FL, 33131
  • "We provide the lowest mortgage rates in the industry. Whether you are a first time home buyer purchasing your dream home, refinancing an existing home, investment property or consolidating your debt. IMMF has adopted a philosophy to provide fast, efficient & courteous service to our borrowers with the minimum of difficulties, hassles or red tape