FHA VS Conventional loan programs in Rensselaer, Rensselaer County, New York

For 2025, the maximum amount for a Conventional loan in Rensselaer, located within the county of Rensselaer, NY, is $726,200. In contrast, the FHA loan limit for a single-family home is $472,030. Having knowledge of these loan limits is crucial for potential homeowners and those planning to refinance in these areas.

Utilize the Lendersa® Conventional loan calculator to compare today's best rates across Conventional, FHA, and USDA loans. You can determine the needed income, credit, reserves, and documents for qualification. The advanced mortgage calculator shows Conforming Conventional loans, USDA, FHA, and VA side by side to aid you in choosing the program in NY that best fits your financial goals.

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2025 Loan Limits and Downpayment Requirements in Rensselaer, County of Rensselaer, NY

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

This table is applicable for the zip codes: 12144

Variety of Conventional and FHA Loan Options in Rensselaer, NY

The aim of Lendersa® is to secure the best possible Conventional, USDA, or FHA loan swiftly and seamlessly. Choose from one of three starting points to find matching lenders and loan programs tailored to your needs.

Lendersa USDA loan request and results


  • VNBNM
  • 322 North Riverside Drive, Espanola, NM, 87532
  • At VNBNM we will help you understand what the banks are telling you. Learn how different types of loans and investments work so that you can make an informed decision when you need a loan or when you got some extra money to invest. Never assume that the bank clerk or financial advisor have your best interest in mind when they are advising you.
  • Laredo Federal Credit Union
  • 1119 Corpus Christi Street, Laredo, TX, 78040
  • Laredo Federal Credit Union’s mission is guided by moral and ethical principles of honesty and responsibility to provide its members efficient, courteous, caring and professional financial services. On May 10, 1956, a group of teachers held a meeting to organize a federal credit union, Laredo Teachers Federal Credit Union.
  • Independence Bank
  • 435 3rd Street, Havre, MT, 59501
  • Independence Bank, formerly known as First Security Bank, was founded in 1972 by a group of Havre business owners who saw a need for a community bank. The headquarters opened at its present Fifth Avenue location in March 1973. Since that time we have acquired branches in Poplar, Scobey, Malta and Glasgow. Building on our success
  • Citizens Bank & Trust Company
  • 32 Central Avenue North, Harlowton, MT, 59036
  • The history of our bank traces back to the first financial institution in Big Timber. In 1890 William Shanks and Thomas Lee placed some private funds in an office safe and for a while did a loan business. The following year Shanks helped organize and became Vice President of Big Timber National Bank.
  • Sunlight Federal Credit Union
  • 1702 17th Street, Cody, WY, 82414
  • Sunlight Federal Credit Union has been open since 1953. It's the 10th largest credit union in Wyoming with assets totaling $162.21 Million and providing banking services to more than 10, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working
  • Lone Star National Bank
  • 520 E. Nolana Avenue, McAllen, TX, 78504
  • Lone Star National Bank is a full-service independent community bank with many locations across South Texas, founded on January 23, 1983. Lone Star National Bank is a technologically advanced, full-service, independent, community bank with over 700 employees and many locations across South Texas.
  • Mr. Mortgage, LLC
  • 1300 N. 10th St, Suite 330K, McAllen, TX, 78504
  • Mr. Mortgage, LLC was born, to provide clients & business partners with the highest level of personalized service, expertise & competitive home loan programs in the market today. We are a full-service residential mortgage broker providing Home Loans across the state of Texas. We pride ourselves on making the loan process simple & straightforward.
  • Global Fox Financial
  • 2511 Buddy Owens Blvd, Suite A, McAllen, TX, 78504
  • Global Fox Financial is a private commercial real estate lender and structured finance company that offers financing to borrowers directly and through a network of finance professionals. Global Fox Financial is additionally a partner of Rio Grande Capital LLC, our account receivable brokerage. We feature a variety of commercial loan programs.
  • Diversified Lending Group
  • 5412 N. 10th St, McAllen, TX, 78504
  • Joe Cuellar, Branch Manager for Castle & Cooke Mortgage in McAllen, Texas, truly knows the ins-and-outs of the mortgage business! Whether clients are seeking alternative ways of generating income through investing in real estate or are simply looking for a home mortgage, Joe is the guy to see. With more than 30 years in the financial
  • A.A. Genesis Investments, LLC
  • 1012 Martin Avenue, Suite C, McAllen, TX, 78504
  • 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.
  • Mortgage Pros
  • 5801 N 10th St, Suite 300, McAllen, TX, 78504
  • Mortgage Pros is a mortgage provider, supported by Directions Equity LLC, and based in McAllen TX. We provide residential financing for the purchase or refinancing of residential real estate.We’re a group of highly experienced mortgage professionals. Every team member has extensive mortgage experience and expertise.