Explore the differences! FHA VS Conventional loan programs in Porter, Niagara County, New York

As of 2025, the conventional loan limit for a single-family home in Porter, which is in Niagara county, NY, stands at $726,200. Meanwhile, the FHA limit is $472,030.

Use the Lendersa® Conventional loan calculator to evaluate and compare today's leading rates for Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documents to meet qualification standards. Our advanced mortgage calculator provides side-by-side views of Conforming Conventional, USDA, FHA, and VA loans, helping you decide the best-suited program in NY for your financial requirements.

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2025 Loan Limits and Down Payment Requirements in Porter, Niagara, NY

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

This table applies to the following zip codes: 14131, 14174

Understanding Conventional and FHA Loan Options in Porter, NY

At Lendersa®, our mission is to secure the best Conventional, USDA, or FHA loans efficiently and without hassle. Choose one of three beginning paths to find matching lenders and loan programs that fit your needs.

Find USDA loan request results with Lendersa


  • Iron Financial Inc
  • 215 Riverside Avenue, Suite 201, Newport Beach, CA, 92663
  • Iron Financial, Inc. headquartered in Newport Beach, CA is a respected, aggressive and professional banker within the mortgage industry. Whether you are a first time home buyer, looking to refinance or searching for details on a "short sale", Iron Financial, Inc. can answer your questions, accommodate your needs and give you the best program.
  • Clear View Mortgage
  • 3416 Via Lido, Suite E, Newport Beach, CA, 92663
  • CVM knows the complexities and moving parts that come with each real estate transaction. The Clear View Mortgage team has put the right people in place in help make financing stress free and efficient. Real Estate is a hands on service/experience. Bill and his team are dedicated to making sure that each and every client.
  • The Carver Group Inc.
  • 424 32nd Street, Unit D, Newport Beach, CA, 92663
  • The Carver Group, Inc. is built on a foundation of integrity and trust. We are committed to providing you a high level of customer service as well as a competitive mortgage loan product that is structured for your individual need. We make the process of securing a mortgage straight forward and we guide you through the entire loan process.
  • Bayside Funding
  • 3416 Via Oporto, Suite 301, Newport Beach, CA, 92663
  • Blackhawk Capital Group is an independent, licensed, full-service Real Estate Brokerage with Residential and Commercial acquisition funding facilities. Since 2005, Blackhawk Capital Group has served as a lead underwriter of both Commercial and Residential Real Estate backed transactions.
  • Southern California Mortgage
  • 231 Lugonia Street, Newport Beach, CA, 92663
  • Southern California Mortgage, where we specialize in residential mortgages. At Southern California Mortgage, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
  • Emery Financial, Inc.
  • 625 Kings Road, Suite 850, Newport Beach, CA, 92663
  • 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.
  • RGC Capital Inc
  • 6730 Florence Avenue Suite 101, BELL GARDENS, CA, 90201
  • RGC Capital Inc is a commercial and private money lending firm providing alternative financing for non-bankable clients. Our nationwide lending platform allows financing for residential investment properties and all types of commercial assets. With over 35 years of lending experience and over 3000 closed transactions, we have earned a successful
  • Rene Luna Realtor
  • 6730 E. Florence Ave, Bell Gardens, CA, 90201
  • In 2007, one of the toughest times in the Real Estate industry, Rene Luna became a Real Estate Agent. By 2009 Rene had become a Real Estate Broker and had gained much experience both in real estate and in financing. During this time Rene was able to build the skills needed to negotiate for my clients best interests.
  • Seacliff Mortgage
  • 9042 Garfield Ave. Suite 207, Huntington Beach, CA, 92646
  • With over 25 years of Mortgage Industry experience, The de Courcy group has proficiency in virtually every type of Real Estate Financing combined with a commitment to building lifelong relationships with our clients. The de Courcy Group is partnered with Seacliff Mortgage, a Mortgage Broker located in Huntington Beach, CA. We utilize cutting edge t