FHA VS Conventional loan programs in Palmyra, Wayne County, New York

In 2025, the conventional loan limit for Palmyra, in Wayne county, NY, is $726,200. The FHA limit for a single-family home is $472,030.

Utilize the Lendersa® Conventional loan calculator to compare current best rates for Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and necessary documentation. Our advanced mortgage tool presents a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, assisting you in deciding which program in NY is most suitable for your financial situation.

Explore loan offers available from 100 lenders

2025 Loan Limits and Downpayment Requirements in Palmyra, Wayne County, NY

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

This table is relevant for the zip codes: 14522, 14513

Options for Conventional and FHA Loans in Palmyra, NY

The goal of Lendersa® is to quickly provide the best Conventional, USDA, or FHA loan without hassle. Choose one of three initial steps that lead to matching lenders and loan programs.

Outcomes of Lendersa USDA loan request matching


  • Caprate Mortgage LLC
  • 10112 League Line Rd, Conroe, TX, 77304
  • Caprate Mortgage LLC a Christian based company, is committed to helping you find the right mortgage product for your needs. Lending not only to the Lake Conroe area and The Woodlands but all of Texas. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements.
  • Titan Bank, National Association
  • 1701 E. Hubbard Street, Mineral Wells, TX, 76067
  • Titan Bank was founded in 1907. The bank has a long history of focusing on the needs of small businesses in shifting economies. It is a full-service national bank with the capital, knowledge and staff to help entrepreneurs with their financial needs. Titan Bank is based in Texas and lends in all 50 states.
  • A & K Mortgage
  • 25404 Highway 59, Suite 204, Porter, TX, 77365
  • "A & K Mortgage is a wholesale brokerage dedicated to educating our clients and providing superior service in the home buying process. As a wholesale broker, we are able to offer buyers options to loan products and unique financing. We have offer loans FHA, Conventional, USDA, VA, Non-QM, Commercial, Manufactured homes, Condos, etc"
  • First National Bank of Granbury
  • 101 E Bridge St, Granbury, TX, 76048
  • First National Bank was chartered in 1887 by Texas Pioneers Dan Cogdell, John Traylor, E.A. Hannaford, Jess Baker and James H. Doyle. While the early years of the Bank’s existence were economically prosperous for the area, the Great Depression and droughts of the 1930’s would soon have a negative impact on the community.
  • Crystal Clear Mortgage
  • 18001 Highway 105 W, Suite 109, Montgomery, TX, 77356
  • Crystal Clear Mortgage was founded in 2008 by Bryan Ward and Adam Simmons with a principle goal of making the home buying process "Crystal Clear". Our company prides itself on being upfront and honest with our customers. We maintain transparency with our customers and real estate agents from start to finish during the loan process.
  • Mortgage Financial Services
  • 1110 Kingwood Drive, Suite 280, Kingwood, TX, 77339
  • Our goal is to help homebuyers achieve the American Dream of homeownership. Whether you are a first time home buyer or purchasing a second home, Mortgage Financial Services is dedicated to providing quality service and products that help customers achieve their objectives throughout the home buying process. We want you to DREAM BIG,
  • Lone Star Financing
  • 1525 Lakeville Drive, Suite 137, Kingwood, TX, 77339
  • Lone Star Financing is a direct lender offering a full line of home loan products with low rates, low fees, and really fast closings. We strive to close every loan in 28 days or less! As a local Texas mortgage company with in-house underwriters, we have the flexibility to underwrite loans using “common sense” underwriting giving us efficiency.
  • Community Resource Credit Union
  • 2900 Decker Dr, Baytown, TX, 77520
  • Community Resource Credit Originally formed by a group of Humble Oil Employees in 1935, CRCU is the oldest local financial institution in the Baytown, Crosby and Atascocita area. Presently, CRCU is open for membership to anyone who lives or works in Liberty, or Chambers County or within the Goose Creek.
  • Firehouse Mortgage
  • 7702 FM 1960 East, Suite 202, Humble, TX, 77346
  • Firehouse Mortgage became a reality for Rachel and Aaron in 2018. They wanted to give their clients a better option for their home mortgage. After gaining valuable knowledge in the mortgage industry, they decided to start their own company. The Clarks treat every client like they are family and ensure they are happy with their home purchase.
  • 1st Community Mortgage Group LLC
  • 18525 West Lake Houston Parkway, Suite 105, Humble, TX, 77346
  • Our mission is to serve our customers with honesty, integrity and competence. 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 roadblocks that can arise while securing a loan.
  • American Federal Residential Mortgage
  • 407 W. Baker, Suite S, Baytown, TX, 77521
  • LET ONE OF OUR PROFESSIONAL MORTGAGE CONSULTANTS BUILD A MORTGAGE LOAN ESPECIALLY FOR YOU. NEW HOMES AND RESALE HOMES SECOND HOMES AND VACATION HOMES ETC.. CALL OR COME BY OUR OFFICE FOR A FREE PRE -QUALIFICATION FOR A MORTGAGE LOAN BEFORE YOU SHOP FOR A NEW OR USED HOME. WE WILL FURNISH YOU WITH A PRE-APPROVAL LETTER AT NO CHARGE.
  • Sentinel Mortgage Corporation
  • 7232 Eastpoint Blvd, Baytown, TX, 77521
  • Sentinel Mortgage is a Texas company that prides itself on getting YOU the best deal. We also understand that clients and realtors expect clear communication and availability in order to navigate the ever-changing mortgage waters. So don't waste time with a Big Bank that will take 2 months to close you and charge you handsomely for the privilege