FHA VS Conventional loan programs in Schenectady, Schenectady County, New York
In 2025, the conventional loan limit in Schenectady, within the county of Schenectady, NY, amounts to $726,200. On the other hand, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to evaluate today's premium rates for Conventional, FHA, and USDA loans. This tool allows determination of the income, credit, reserves, and documentation needed to qualify. View Conforming Conventional loans alongside USDA, FHA, and VA loans, helping you decide which program in NY best suits your financial needs.
2025 Loan Limits and Down Payment Requirements in Schenectady, County of Schenectady, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table pertains to the zip codes: 12305, 12304, 12307, 12308, 12301, 12325, 12345
Consider Conventional and FHA Loan Options in Schenectady, NY
The goal of Lendersa® is to promptly provide you with the best Conventional, USDA, or FHA loan without hassle. Choose from three starting points to find matching lenders and ideal loan programs.
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400 E. Broadway Ave, Suite 303, Bismarck, ND, 58501
eLendingNow was established in Bismarck North Dakota in 2001.Since the beginning, eLendingNow has been committed to helping you find the right home mortgage for your needs. We understand that every borrower is different, and we offer a variety of home loans designed to meet your individual situation.
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