FHA VS Conventional loan programs in 2026 for Portland, Chautauqua County, New York

As of 2026, the Conventional loan limit in Portland, within Chautauqua county, NY, is $726,200. The FHA limit for a single-family home is $472,030.

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Loan Calculator Comparison

With Lendersa®'s Conventional loan calculator, compare today's best rates for Conventional, FHA, and USDA loans. Assess the income, credit status, reserves, and documents needed for qualification. This advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping identify the best program in NY for your finances.

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2026 Loan Limits and Downpayment Requirements in Portland, Chautauqua County, NY

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

The comparison table applies to these zip codes: 14769

Conventional and FHA Loan Options in Portland, NY

The mission of Lendersa® is to secure the best possible Conventional, USDA, or FHA loan quickly and without hassle. Choose one of three paths to connect with lenders and loan programs that match your needs.

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Results of Lendersa USDA Loan Requests and Matching


Portland Lenders


  • Inner Lakes Federal Credit Union
  • 19-21 East Main Street, Westfield, NY, 14787
  • Lends in New York

  • At Inner Lakes Federal Credit Union, each dollar of income is passed along to our members in the form of higher dividends on savings, lower interest on loans, or new and improved services. We are member owned and not-for-profit, we exist solely to serve our members and provide a smart alternative to profit-driven banks and other institutions.

  • Lake Shore Savings Bank
  • 128 East Fourth Street, Dunkirk, NY, 14048
  • Lends in New York

  • Lake Shore Savings is a community oriented financial institution originally chartered as a savings and loan association in New York in 1891. We are dedicated to serving the financial needs of consumers and businesses within its market area. We are primarily engaged in the business of attracting deposits from the general public

  • Southern Chautauqua Federal Credit Union
  • 168 East Fairmount Avenue, Lakewood, NY, 14750
  • Lends in New York

  • Mission Statement: Southern Chautauqua Federal Credit Union is committed to providing its members with the professional financial services they have come to expect.

    Vision Statement: Southern Chautauqua Federal Credit Union’s vision is to be a resource to the community by offering its members the best financial service and value….period.

  • Greater Chautauqua Federal Credit Union
  • 51 East Main Street, Falconer, NY, 14733
  • Lends in New York

  • Greater Chautauqua Federal Credit Union has been open since 1940. The credit union has assets totaling $89.32 Million and provides banking services to more than 10, 000 members.

    The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,

  • Jamestown Area Community FCU
  • 915 East Second Street, Jamestown, NY, 14701
  • Lends in New York

  • To provide a wide variety of financial services at the lowest possible cost to our members and to support the community and the Credit Unions in our area with the philosophy of:

    ""It's my credit union; it belongs to me.""
    When you walk into the credit union lobby, or call a loan officer

  • Cattaraugus County Bank
  • 120 Main Street, Little Valley, NY, 14755
  • Lends in New York

  • We're locally owned and operated. So we support our community, including the small businesses here in upstate New York. We offer many different commercial loans, checking and savings accounts to make sure your business has what it needs to succeed. Our commitment is best expressed in the different products and services we offer our customers.
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