FHA VS Conventional loan programs in 2025 for Palermo, Oswego County, New York

In 2025, the Conventional loan limit for a single-family home in Palermo, county of Oswego, NY, is $726,200, while the FHA limit is $472,030.

Leverage the Lendersa® Conventional loan calculator to examine the best rates available today across Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documentation you need to qualify. Our advanced mortgage calculator provides a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans to help you select the most suitable program for your financial conditions in NY.

Browse loan offers from a range of 100 lenders

Understanding 2025 Loan Limits and Down Payment Requirements in Palermo, County of Oswego, NY

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

The above data applies to the zip codes: 13069, 13036

Explore Conventional and FHA Loan Choices in Palermo, NY

Lendersa® is committed to connecting you with the best options for Conventional, USDA, or FHA loans promptly and without hassle. Begin by selecting one of three pathways to discover matching lenders and loan programs.

Lendersa's USDA loan request results


  • PRMI
  • 3615 Harding Avenue, Suite 101, Honolulu, HI, 96816
  • Primary Residential Mortgage, we’re dedicated to giving each customer a great experience. Our local home Loan Originators have decades of combined experience in the mortgage industry and can help you reach your short- and long-term goals.Our local specialists have the resources of a huge national mortgage company.
  • Hawaiian Financial Federal Credit Union
  • 1138 N King Street, Honolulu, HI, 96817
  • Hawaiian Financial Federal Credit Union formed out of an idea from Mutual Telephone Company employees. On October 22, 1936, 65 employees signed on as charter members with assets totaling $2,517, calling themselves Mutelco Oahu Employees Federal Credit Union. In the aftermath of the S&L crisis of the 1980s, many people are turning a wary
  • Hawaii National Bank
  • 45 N King St, Honolulu, HI, 96817
  • Hawaii National Bank opened its doors on Sept. 19, 1960, to the sound of 10, 000 firecrackers in Honolulu’s Chinatown neighborhood. By the day’s end, the bank had taken in $6.25 million in deposits, a national record for any first-day deposits for a new bank. From this auspicious start, Hawaii National Bank grew.
  • American Savings Bank Hawaii
  • 300 N Beretania St, Honolulu, HI, 96817
  • American Savings Bank Hawaii is a bank with operations in one state. American Savings Bank Hawaii offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA, USDA, HomeReady and construction mortgages American Savings Bank is a great bank making people’s dreams possible offering a range of financial services.
  • HawaiiUSA Federal Credit Union
  • 1226 College Walk, Honolulu, HI, 96817
  • we originally opened as a credit union for educators. Though times have changed and we’ve grown into so much more, we never lost sight of who we serve. That’s why we partnered with 122 schools and organizations across the state of Hawai‘i in 2020. In addition, we awarded 21 scholarships and granted 41 career enhancement stipends to educators.
  • Honolulu Fire Department Federal Credit Union
  • 1200 N. School Street, Honolulu, HI, 96817
  • As a federally-chartered, federally-insured financial cooperative, Honolulu Fire Department Federal Credit Union is a member-owned and member-governed financial institution like the other 7, 000 credit unions across the country. With our focus on firefighters throughout Hawaii, we truly serve to be Your Lifeline for a Lifetime!
  • Millennium Lending LLC
  • 3455 Kaohinani Drive, Honolulu, HI, 96817
  • Gunner Schull is the owner of the Mortage company With 25 years in the real estate industry as a lawyer and lender I have acquired a unique expertise to assist my clients with all their real estate financing transactions. I opened Millennium Lending in 1999 and have existed entirely from referral and repeat customers.
  • HHOC Mortgage
  • 1259 Aala St, Suite 201, Honolulu, HI, 96817
  • HHOC Mortgage is dedicated to offering affordable mortgage loans to Hawaii’s homebuyers that are competitively priced. HHOC Mortgage primarily serves low and moderate-income target markets and communities. HHOC Mortgage provides financial support to Hawaii HomeOwnership Center to enable continuance of its mission to provide prospective
  • OAHU FEDERAL CREDIT UNION
  • 2219 Pauoa Road, Honolulu, HI, 96813
  • Oahu Federal Credit Union strives to deliver the best service possible to our most important asset - our members. Qualified members may join Oahu Federal Credit Union by visiting our office located at 2219 Pauoa Road in Honolulu. The mission of a credit union is to provide and promote the use of a variety of financial services
  • Hawaiian Electric Employees Federal Credit Union
  • 770 Kapiolani Blvd, Suite 514, Honolulu, HI, 96813
  • Hawaiian Electric Employees Federal Credit Union – a not for profit, financial cooperative. It was in the spirit of “people helping people” that the Credit Union was founded in 1937, by 15 employees of Hawaiian Electric Company who pooled together $70 of their money. Today, that same spirit of “people helping people” has grown to serve