FHA VS Conventional loan programs in 2025 for Penfield, Monroe County, New York
In 2025, the limit for a Conventional loan in Penfield, county of Monroe, NY, is $726,200, while the FHA limit for a single-family home is set at $472,030. Knowing these limits helps in strategizing your home financing and understanding potential borrowing capacities.
The Lendersa® Conventional loan calculator allows you to compare today's best rates across Conventional, FHA, and USDA loans, highlighting the required income, credit score, reserves, and documentation for qualification. By examining Conforming Conventional loans alongside USDA, FHA, and VA options, you can determine which program in NY best fits your financial needs and goals.
2025 Loan Limits and Down Payment Requirements in Penfield, Monroe, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The comparison is applicable to zip codes: 14580, 14625, 14450, 14526.
Discover Conventional and FHA Loan Options in Penfield, NY
Lendersa® is dedicated to securing you the best Conventional, USDA, or FHA loans with ease. Begin with one of three starting points to find matching lenders and appropriate loan programs. Our goal is to simplify your journey to affordable home financing options that align with your specific plans.
INB offers personal and commercial banking services. The INB team works to help customers have a life free of financial hardships. We help businesses by handling financial transactions through our lockbox services so they can focus on their core operations. We also provide mortgage and commercial loans.
ISPFCU are insured by the National Credit Union Administration (NCUA). This is a federal agency that insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.
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O.M.C. Employees Credit Union has been open since 1992. New member eligibility requires that the person be a permanent employee of Olin Corporation, Solenis, or the OMC Employees Credit Union. A member’s spouse, spouse’s parents, children*, children’s spouse, siblings, parents*, and grandchildren* are all eligible for membership.
Service Plus Credit Union is a full service financial institution in Moline, Illinois which was established in 1950. Membership is open to anyone who lives or works in Rock Island or Henry counties, IL. Big enough to Serve you, small enough to Know you. Credit Union is a full service financial institution in Moline
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SENB Bank has proudly served the Quad Cities and neighboring communities since forming in 1961 and is approximately $370 million in assets. In 2019 the bank expanded into the Stateline (Roscoe/Beloit) region of Illinois and Wisconsin, with six banking centers serving Illinois, Iowa and Wisconsin.
Founded in 1934, our eight charter members were production line workers at the East Moline Works Plant. Open only three times a day during shift change, employees at the original office in the middle of the plant had to manage over the noise of the steel-wheeled trailers moving over the creosote floors.
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As a locally owned bank, Maquoketa State Bank is in touch with the community we serve and is responsive to the financial needs of our cuWe work hard to provide innovative solutions that give our customers, our neighbors, employers and friends, a safe and secure financial future...
