FHA VS Conventional loan programs in Oswegatchie, St. Lawrence County, New York
For 2026, the Conventional loan limit in Oswegatchie, located in the county of St. Lawrence, NY, is $726,200, while the FHA limit for a single-family home is set at $472,030.
The Lendersa® Conventional loan calculator is a tool to compare leading rates for Conventional, FHA, and USDA loans. Assess income, credit, reserves, and required documents for qualification. Our calculator provides a side-by-side analysis of Conforming Conventional, USDA, FHA, and VA loans to guide you in selecting the most suitable program in NY for your financial needs.
2026 Loan Limits and Downpayment Requirements in Oswegatchie, St. Lawrence, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies specifically to zip codes: 13654
Available Options for Conventional and FHA Loans in Oswegatchie, NY
The aim of Lendersa® is to connect you to the best suited Conventional, USDA, or FHA loan swiftly and simply. Select from one of three starting points that align you with the appropriate lenders and loan options.
Our mission is to be a trusted provider of financial services while building lasting relationships with our members, employees, and community.Since our beginning in 1954 as the St. Lawrence State Hospital Employees Federal Credit Union, we have focused on making a positive impact on people’s lives.We are committed to honesty
Carthage Savings is a customer owned "Mutual" association. We answer to our customers, not stockholders. We are here to serve our customers with no conflicting profitability pressures. A "Mutual" is similar to a Credit Union with the exception that we pay income taxes. Carthage Savings was founded in 1888
Watertown Savings Bank, a FDIC insured institution, remains true to its mission of conducting business in the best interest of the community and the Jefferson County area for the long term. We are ""Committed to our Community and Committed to our Customers"" and we look forward to serving you
Back in 1955, a group of New York Air Brake employees founded Northern Federal Credit Union in Watertown, New York. Their goal was to create a safe, secure place where employees could grow their savings and obtain loans at reasonable rates something the existing financial institutions in town weren't providing.
Founded in 1975, Oswego County FCU is a member-owned, not-for-profit financial cooperative association dedicated to providing quality financial products and services delivered in a professional, courteous and timely manner. We currently serve the financial needs of approximately 11, 000 members from throughout Oswego County
AmeriCU is a not-for-profit credit union owned by members like you. We offer the same products and services as a bank (plus insurance and financial planning) – but with low or no fees, and better rates. Founded in 1950, today AmeriCU has grown to more than 127, 000 members and more than $1.5 billion in assets.
In 1971, SUNY Plattsburgh Federal Credit Union officially opened for business. Back in 1971, the SUNY Business & Economic Department, the United University Professions and Civil Service Employees, had a vision of providing a place where faculty and staff of SUNY Plattsburgh could save and get loans at fair rates.
Fulton Savings Bank offers comprehensive banking services near Fulton, NY, including deposit accounts, such as checking accounts and savings accounts, as well as loans, such as personal loans, mortgage loans, home equity loans and more. For over 100 years, Fulton Savings Bank has been a trusted provider for competitive Fulton mortgage rates.
Bank of Utica is a full service commercial bank headquartered in Utica, NY. Bank of Utica offers a traditional line of products expected at a community bank, as well as some cutting edge services offered at larger banks. Bank of Utica was founded in 1927 and has been locally owned and operated since its inception.
