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

As of 2025, the conventional loan limit in Sand-Lake, specifically in Rensselaer county in NY, is $647,200. Meanwhile, the FHA cap for a single-family home is $420,680.

With the Lendersa® Conventional loan calculator, compare the top rates for Conventional, FHA, and USDA loans today, and assess the necessary income, credit, reserves, and documents for qualification. Our advanced calculator allows side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, helping you choose the best option for your financial needs in NY.

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

Loan Type Maximum Loan Minimum Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 Zero
FHA $420,680 3.5%

This table is applicable to the following zip codes: 12018, 12153, 12196

Explore Conventional and FHA Loan Options in Sand-Lake, NY

The mission of Lendersa® is to efficiently find you the most favorable Conventional, USDA, or FHA loan with ease. You can begin by choosing one of three distinct starting points, leading to matches with lenders and appropriate loan programs.

Lendersa and USDA loan request results


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  • Exchange Bank of Northeast Missouri, we want to help make the communities we serve better by providing strong financial services. We call these communities home, so we know and understand the challenges you face every day. That’s why we strive to provide the products and services to help you overcome those challenges.
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