FHA VS Conventional loan in Shelby, Orleans County, New York
As of 2026, the conventional loan ceiling in Shelby, found within Orleans county in NY, is established at $726,200, whereas the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare Conventional, FHA, and USDA rates available today. It also helps determine what income, credit standing, reserves, and necessary documentation are needed for qualification. Our sophisticated mortgage calculator lets you view Conforming Conventional loans beside USDA, FHA, and VA options, aiding your decision on the optimal program in NY tailored for your financial context.
2026 Loan Caps and Down Payment Necessities in Shelby, County of Orleans, NY
Loan Type
Loan Cap
Minimum Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
Note: This comparison table pertains to the following zip codes: 14105
Options for Conventional and FHA Loans in Shelby, NY
The ambition of Lendersa® is to swiftly connect you with the best available Conventional, USDA, or FHA loans, removing unnecessary stress. You can begin from any of these three processes, which lead to matched lender and loan programs.
Lockport Schools Federal Credit Union, chartered in 1966, is a member-owned, not-for-profit organization whose objective is to meet the financial needs of our members through professional, courteous service with a personal touch. We take great pride in helping our members get the best value for their dollar.
Cornerstone is a credit union/financial cooperative that has been serving Western New York since 1957. We began as Unit No. 1 Federal Credit Union, serving the employees of Harrison Radiator Division of General Motors. Anyone who lives, works, worships, goes to school or volunteers in Niagara or Erie County can join our credit union.
1416 Sweet Home Road, Suite 9B, Great Neck, NY, 14228
Lends in New York
Queen City Funding, Inc., a professional mortgage company specializing in residential mortgages. At Queen City Funding, Inc., we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled and trained loan consultants.
The Rose Hill Group of WNY Ltd. was founded by Daniel Monte in 2006. Mr. Monte formed the company to serve as a specialty provider of mortgage banking and financial advisory services to commercial real estate developers and lenders. RHG’s employees collectively have over 75 years of experience in real estate financial services.
1st Priority Mortgage, Inc is committed to delivering a unique process that identifies the best mortgage solution tailored to your individual needs. How do we know our system works? As a company we consistently track and measure our results. We use what works and continually monitor for improvement.
MAINSTREAM FUNDING NETWORK, INC. have provided a remarkably streamlined and personalized application-to-closing experience for thousands of clients. Over the years as we have grown in size, our veteran administrators and staff continue to function in concert with our original philosophy.
Very few borrowers are exactly alike. When looking for a home there are many choices. People need to know what is available to them so they can make the best decision possible. There are always numerous choices; however credit, income & down payment are the main criteria.We always encourage our clients to come in before they meet with their realtor
With over 80 years of outstanding service, Niagara Regional FCU’s mission remains the same: Providing the complete banking experience by adapting our products to meet the needs of our growing membership, staying current with the latest technology, retaining staff and volunteers who educate every member on a personal level to meet individual needs.
Our mission is to serve our customers with honesty, integrity and experience. We use our expertise to provide home loans to A++ clients and credit challenged clients alike. Our objective is to provide each customer with the lowest interest rate for thier situation and the best product type available for your needs.
