In 2025, the Conventional loan cap in Oswego, nestled in the county of Oswego, NY, is set at $726,200. On the other hand, the FHA limit for a single-family home is established at $472,030. Recognizing these limits is vital for anyone considering purchasing or refinancing their home, as they determine the scope of financing options available to you.
To assess and compare the best rates available for today's Conventional, FHA, and USDA loans, use the Lendersa® Conventional loan calculator. This robust tool helps you decipher the necessary income, credit, reserves, and documentation required for qualifying. By leveraging our advanced calculator, you'll be able to see a side-by-side comparison of Conforming Conventional loans, USDA, FHA, and VA loans. This comprehensive view allows you to choose the most suitable program in NY tailored to your financial scenario and goals.
Discover and compare loan offers from an array of 100 different lenders
| Loan Type | Loan Limit | Down Payment |
|---|---|---|
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
This comparison table is applicable to the following zip codes: 13126, providing critical details relevant to your locale.
The goal of Lendersa® is to efficiently connect you with the best available Conventional, USDA, or FHA loans, reducing complexity and speeding up the process. Choose from one of three initial strategies to find matching lenders and suitable loan programs tailored to your needs. This approach streamlines your home financing journey, ensuring that you find a solution that aligns perfectly with your personal homeownership plans.
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