FHA VS Conventional loan programs in Seneca-Falls, Seneca County, New York
In 2026, the Conventional loan limit in Seneca-Falls, within Seneca county, NY, is $647,200. The FHA limit for a single-family home is $420,680.
Make use of the Lendersa® Conventional loan calculator to compare today’s rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and paperwork to qualify. Our advanced mortgage tool displays Conforming Conventional, USDA, FHA, and VA loans side by side, so you can choose the best option for your financial situation in NY.
2026 Loan Limits and Down Payment Requirements in Seneca-Falls, Seneca, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$647,200
3%
USDA
$285,000
0%
FHA
$420,680
3.5%
This comparison table is applicable to zip codes: 13165
Conventional and FHA Loan Options in Seneca-Falls, NY
Lendersa® aims to help you find the fastest and most suitable Conventional, USDA, or FHA loan without hassle. Select from one of three starting points leading to matched lenders and loan programs.
Generations Bank was established in 1870 as Seneca Falls Savings Bank—a New York chartered mutual savings bank. In 2012, the bank’s name and the insurance agency’s name were changed to Generations Bank and Generations Agency respectively.
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People You Know. Service You Trust. We are dedicated to providing you with loan and deposit products designed with your needs in mind. We're open to the community! If you live, work, worship, volunteer, or attend school in Ontario, Seneca, or Yates County, or if you are a member of an immediate family or household of those within the field of mem
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NetFunding Corporation's mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a home or refinancing a mortgage. So we make a commitment to you and will help you qualify, apply and be approved for the right mortgage loan for you.
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