FHA VS Conventional loan programs in 2026 for Sardinia, Erie County, New York

For 2026, the conventional loan limit in Sardinia, located in Erie county, NY, is $726,200, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® Conventional loan calculator to evaluate today's top rates among Conventional, FHA, and USDA loans. Determine needed income, credit score, reserves, and documents for qualification. Our sophisticated mortgage calculator allows side-by-side views of Conforming Conventional, USDA, FHA, and VA loans, aiding in selecting the program that best suits your financial needs in NY.

Explore loan offers from over 100 lenders

2026 Loan Limits and Down Payment Essentials in Sardinia, Erie, 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 to zip codes: 14069

Exploring Conventional and FHA Loan Choices in Sardinia, NY

Lendersa® is committed to quickly and efficiently securing the best Conventional, USDA, or FHA loans for you, hassle-free. Opt for one of three starting paths to connect with ideal lenders and suitable loan programs.

Outcomes for Lendersa USDA loan requests and matching


  • Rapid Mortgage Company
  • 7870 E Kemper Road, Suite 280, Cincinnati, OH, 45249
  • Rapid Mortgage is a Cincinnati area owned and operated mortgage lender offering competitive rates in a wide range of loan products such as Conventional, FHA, VA and USDA Rural Development. Whether you are a 1st-time homebuyer or a seasoned veteran, A+ credit or in need of some credit assistance, we have programs for borrowers of all types.

  • Seacoast Mortgage Corporation
  • 267 Newport Avenue, Pawtucket, RI, 02861
  • At Seacoast, we are dedicated to always earning clients’ trust before their business. We consult with you, understand your needs and then help you choose the mortgage program that is best for you. Seacoast loan officers and dedicated support staff are here for you 24 hours a day, 7 days a week. Our line is always open.

  • ProBuilder Financial, LLC
  • 396 Washington Street, Suite 225, Wellesley Hills, MA, 02481
  • ProBuilder Financial is a direct, hard money lender, providing private acquisition, rehab, and construction loans to real estate builders and developers in New England. Loans based on the collateral value of the project, not on the credit history of the applicant. Creative and flexible financial solutions to meet the needs of your real estate proje

  • ProBuilder Financial LLC
  • 396 Washington Street Suite 225, Wellesley Hills, MA, 02481
  • ProBuilder Financial is the hard money lender of choice for professional real estate developers, builders, and investors in New England. ProBuilder Financial provides friendly, personalized service, unsurpassed responsiveness, deep industry knowledge, and immediate access to funds for short and intermediate term commercial loans. At ProBuilder Fina

  • American Mortgage Resource Inc
  • 2 Winter Street, Suite 202, Waltham, MA, 02451
  • American Mortgage Resource, Inc. is a home Mortgage Broker that specializes in home loans for home refinancing or first-time buyers with very competitive low mortgage rates in Waltham, MA, the Boston area and the entire Massachusetts state. We have programs available for first time home buyers, as well as conventional, Jumbo, FHA and VA loans.

  • Independence Mortgage Group LLC
  • 318 Bear Hill Road, Suite 11, Waltham, MA, 02451
  • Independence Mortgage Group was founded (back) in 2007. The company is a Licensed Mortgage Broker doing business in Massachusetts and New Hampshire and currently has 6 licensed Loan Officers. Independence Mortgage Group prides itself on giving personalized one-on-one service to every customer.

  • AllWealth Federal Credit Union
  • 6 South 2nd Street, Suite 100, Hamilton, OH, 45011
  • AllWealth Federal Credit Union started as Hamilton City Employees Federal Credit Union which was officially organized on October 22, 1948 as a cooperative to provide savings opportunities and low-cost loans to City of Hamilton employees. The Credit Union began its operation with a desk in the City of Hamilton Personnel Office.

  • Valley Central Bank Mortgage
  • 6550 Princeton Glendale Rd, Hamilton, OH, 45011
  • Valley Central Bank first opened its doors on June 16 1884 in the back of what was known as the Fladungs Hotel and Saloon located at 421 Benson St. The association then known as the German Building and Loan grew largely because it filled a need for home loans that most banks of that time had little interest

  • Capital City Financial Corporation
  • 2740 Pawtucket Avenue East, Providence, RI, 02914
  • Capital City Financial Corporation proudly serves the Rhode Island, Massachusetts, and Connecticut communities. A strong and genuine belief in the "customer for life" principal of doing business is what fuels this company. Referrals from previous customers, real estate professionals, accountants, financial planners.

  • Troy City Mortgage LLC
  • 692 Warren Avenue, East Providence, RI, 02914
  • Troy City Mortgage, we work hard to get our clients approved so they can experience the benefits of homeownership. We guide first-time buyers through what it takes to achieve their dream of owning a home.and also we work with existing homeowners on everything from refinancing to home equity.

  • Shamrock Home Loans
  • 75 Newman Avenue, Rumford, RI, 02916
  • Shamrock Home Loans, we’re not inspired by mortgage loans, credit scores or interest rates. No way. What fires us up is the idea of building neighborhoods, watching families grow and turning houses into homes and also The company provides equity, refinancing, debt consolidation, home improvement loans and real estate mortgage loans.

  • Province Mortgage Associates, Inc
  • 50 Office Parkway, East Providence, RI, 02914
  • We are a full service, delegated lender licensed in RI, MA, CT, and NH specializing in residential and commercial lending for purchase and refinance transactions. Our business is generated solely on referrals from our network and our valued clients with comments always revolving around one central theme.