Explore the differences! FHA VS Conventional loan programs in Putnam-Lake, Putnam County, New York

For the year 2025, the conventional loan limit in Putnam-Lake, located in Putnam county, NY, is $970,800. The FHA limit for a single-family home is $970,800.

Use the Lendersa® Conventional loan calculator to compare the top rates for Conventional, FHA, and USDA loans today, evaluating the necessary income, credit, reserves, and documentation for qualification. This advanced mortgage calculator allows you to view Conforming Conventional loans alongside USDA, FHA, and VA options, assisting in choosing the most suitable program for your financial needs in NY.

Review loan offers from over 100 lenders

2025 Loan Limits and Down Payment Requirements in Putnam-Lake, Putnam, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This table applies to zip codes: 12563, 10509

Conventional and FHA Loan Options in Putnam-Lake, NY

Lendersa® is dedicated to providing you with the best selection of Conventional, USDA, or FHA loans quickly and efficiently. Choose from three starting points to locate matching lenders and optimal loan programs.

Visualizing Lendersa USDA loan request and matching results


  • Home Funding Corp.
  • 10718 Civic Center Drive, Rancho Cucamonga, CA, 91730
  • Here at Home Funding Corp. we offer the stability and product selection of a large corporation, with the service of an independent business. In our 20-year history we have never had a layoff. Our turn around time for FHA loans is 16 business days, and our conventional financing typically takes 8-10 business days. Our staff is all in house,
  • New Beginnings Mortgage
  • 9045 Haven Ave. Ste 106, Rancho Cucamonga, CA, 91730
  • New Beginnings Mortgage 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
  • Fusion Mortgage Lending
  • 9267 Haven Ave #265, Rancho Cucamonga, CA, 91730
  • Fusion Mortgage Lending, we pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package.we realize you are unique and we'll work with you to form a loan.
  • EZ Fundings
  • 8577 HAVEN AVE, SUITE 201, Rancho Cucamonga, CA, 91730
  • EZ Fundings an easy choice to be your next Home Loan one-stop shop. The Haven office opened up in November 2011 in order to take home loans to the next level with accurate knowledge of the ever-changing loan industry, and the goal of becoming an industry leader in streamlining the Home Loan process.
  • Loan Saver Direct Inc
  • 9125 Archibald Ave, Suite G, Rancho Cucamonga, CA, 91730
  • Loan Saver Direct leading provider of mortgage financing dedicated towards providing affordable home loans.He founded the company way back 2003 from a ground level, without having the mortgage background. In spite of this, he was able to immediately take the company a level of generating annual income ranging from 8 to 10 million dollars.
  • Pac West Home Loans
  • 10737 Laurel St Suite 100, Rancho Cucamonga, CA, 91730
  • PDM Mortgage has brought these principles to our colleagues and our customers through a tradition of "can do, will do" service, making us the independently owned and operated residential mortgage lender of choice from our Rancho Cucamonga, ca and across America we are here to serve you in our Denver Colorado and Boynton Florida offices.
  • Rancho Capital Home Loans
  • 9121 Haven Avenue, Suite 210, Rancho Cucamonga, CA, 91730
  • Rancho Capital Home Loans specializes in financing residential properties in Rancho Cucamonga.We pride ourselves in professionalism and customer service. For all of your home loan needs and In 2019 our ownership opened Rancho Capital Home Loans with a goal of providing the best customer experience and the lowest rates in our surrounding area.
  • The Mortgage Phoenix Group
  • 8599 Haven Ave #301, Rancho Cucamonga, CA, 91730
  • The Phoenix Mortgage Group is a boutique Mortgage Planning Firm that offers the industries most comprehensive mortgage advice while simultaneously providing a work environment that loves and cares for it’s clients, partners, staff, environment and community and also We provide our clients clear, simple, and powerful mortgage plans.
  • Integrity Home Finance
  • 9377 Haven Ave. #110, Rancho Cucamonga, CA, 91730
  • Integrity Home Finance, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use ""common sense"" and will help you obtain the best loan possible. We represent a wide range of ""A"" rated lenders with first quality rates to private ""hardship"" lenders.