FHA VS Conventional loan programs in Otego, Otsego County, New York

In 2026, the limit for a conventional loan in Otego, located in Otsego county, NY, is set at $726,200. Meanwhile, the FHA loan cap for a single-family home is $472,030.

With Lendersa®'s Conventional loan calculator, compare today's top rates among Conventional, FHA, and USDA loans, assessing required income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator allows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, helping you identify the best option in NY for your financial needs.

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2026 Loan Limits and Down Payment Conditions in Otego, Otsego County, NY

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

This table pertains to zip codes: 13825

Available Conventional and FHA Loan Options in Otego, NY

Lendersa® aims to swiftly connect you with the best available Conventional, USDA, or FHA loan, simplifying the process. Begin with one of the following three methods to find matching lenders and loan programs:

Results from Lendersa's USDA loan requests


  • DOY Federal Credit Union
  • 1500 Gypsy Lane, Youngstown, OH, 44505
  • DOY is not driven by the profit motive. There are no outside shareholders to satisfy. DOY's main purpose is to serve their membership in two primary areas: saving and borrowing. Therefore, DOY has a very strict and conservative lending and investment policy.

    DOY confines its lending to its own creditworthy members

  • Valley Economic Development Partners
  • 4319 Belmont Ave, Youngstown, OH, 44505
  • Valley Economic Development Partners is a private, non-profit organization focused on the social well-being of the Mahoning Valley and its surrounding regions. Our mission is to be a leader in developing employment opportunities through business creation, expansion, and retention in collaboration with other regional organizations.

  • Mohsin Mortgage Corp
  • 3075 Washington Pike, Bridgeville, PA, 15017
  • Mohsin Mortgage Corp. is a wholesale mortgage brokerage, designed to service your financial needs. We offer the best possible rates from the Federal Housing Administration. Specializing in Conventional, FHA, and VA loans, our experienced brokers will get you the best available mortgage rate

  • Stonebridge Home Mortgage, llc
  • 100 Cobblestone Court, Oakdale, PA, 15071
  • At Stonebridge Home Mortgage, llc, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage

  • Fayette Federal Employees Federal Credit Union
  • 364 Morgantown Street, Uniontown, PA, 15401
  • Fayette Federal Employees Federal Credit Union has been open since 1955. The credit union has assets totaling $15.33 Million and provides banking services to more than 1, 000 members as of March 2022.

    The credit union is a not-for-profit, member-owned financial cooperative providing services to government employee members.

  • Winthrop Area Federal Credit Union
  • 94 Highland Avenue, Winthrop, ME, 04364
  • Our credit union is a not-for-profit, cooperative financial institution owned by its members. Business decisions at Winthrop Area FCU are driven by what is in the best interests of the membership. As a credit union founded to help under-served individuals, we continue to believe that access to financial services.

  • Ameristate Mortgage LLC
  • 89 North Main Street, Suite 2, Poland, OH, 44514
  • Our mission is to serve our customers with honesty, integrity and competence. The company was started in 2012 in Youngstown, Ohio. 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

  • Cedar Point Federal Credit Union
  • 22745 Maple Road, Lexington Park, MD, 20653
  • Cedar Point Federal Credit Union (CPFCU) is organized to serve people who live, work, worship, go to school and do business in St. Mary’s, Calvert, and Charles counties. As a community-based financial institution owned and operated by our members, our purpose is to provide financial advice.

  • MJ Mortgage & Tax Services, Inc.
  • 321 Winners Circle, Canonsburg, PA, 15317
  • We understand that each customer has specific needs, so here at MJ Mortgage & Tax Services Inc., we strive to provide our clients with enhanced services and follow-though. Because of our many years in both the lending and the real estate industries, we make the complicated process seem easy and straightforward.

  • THREE RIVERS LENDING
  • 375 Southpointe Blvd, Suite 340, Canonsburg, PA, 15317
  • Three Rivers Lending "Mortgage and Refinancing Experts" with over 30 years of experience. We serve Pennsylvania and Florida. We are Mortgage Brokers so we can shop your loan with 18 of our investors to get you the best rate and product. Remember you only need 3.5% down to buy your new home. Call us so we can help you

  • People First Financial
  • 1315 Boardman-Canfield Rd, Youngstown, OH, 44512
  • At People First Financial, 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. People First Financial has the perspective, insight, and experience to handle your financing needs.