FHA VS Conventional loan programs in 2026 for Spring-Valley, Rockland County, New York

In 2026, the conventional loan limit set for Spring-Valley, located within Rockland county of NY, is $970,800, while the FHA limit for a single-family home is $970,800.

Utilize the Lendersa® Conventional loan calculator to compare the current top rates for Conventional, FHA, and USDA loans. Assess the required income, credit score, reserves, and necessary documentation for qualification. Our advanced mortgage calculator shows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, helping you choose the best option in NY for your unique financial situation.

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2026 Loan Limits and Down Payment Requirements in Spring-Valley, Rockland, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $0 0%
FHA $970,800 3.5%

This comparison applies to the following zip codes: 10952

Exploring Conventional and FHA Loan Options in Spring-Valley, NY

The purpose of Lendersa® is to efficiently connect you with the best possible Conventional, USDA, or FHA loan options quickly and without hassle. Start with one of three methods tailored to match you with suitable lenders and loan offerings.

Insights from Lendersa's USDA loan request and matching results


  • American United Mortgage Corporation
  • 1010 Huntcliff, Suite 1350, Atlanta, GA, 30350
  • American United Mortgage Corporation was founded with the vision of providing the best rates and service from an honest company that was built on integrity and the desire to treat people the way they deserve to be treated. We offer free pre-qualifications for all borrowers looking to purchase a new home.

  • TRISTONE FINANCIAL LLC
  • 9040 Roswell Road -, Suite 325, Atlanta, GA, 30350
  • Tristone Financial, we work to secure the best Georgia interest rate with low fees for our clients. Our seasoned loan officers will help you to structure your home loan and guide you throughout the entire process. Structure, strategy & service are how we maintain our elite reputation in the financial marketplace.

  • H.I.P. Mortgage Co.
  • 1590 Adamson Parkway, Suite 120, Atlanta, GA, 30360
  • Shiba Robinson a dedicated mortgage professional that has worked on both ends of the spectrum. Shiba believe that together, true professionals are capable of anything! My goal is to make the dream of home ownership come true for YOU. Working hard and fixing problems is my specialty. Let me put in some work for you and we can be successful together!

  • Goldwater Home Loans Inc
  • 1755 East Park Place Blvd, Stone Mountain, GA, 30087
  • Goldwater is an experienced mortgage brokerage in Atlanta, providing quality guidance and affordable loan options that meet every homebuyer’s needs. The key to our success has been a combination of consistently offering the lowest possible rates along with giving our clients outstanding customer service.

  • First American Financial Mortgage Corp
  • 7302 Wood Hollow Way, Stone Mountain, GA, 30087
  • We’re a full service mortgage lender with an exceptionally experienced staff offering expertise in every area of mortgage finance and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and cost-to meet your unique needs. But that’s just the beginning of our service.

  • Diamond Valley Federal Credit Union
  • 840 East Diamond Avenue, Evansville, IN, 47711
  • Diamond Valley Federal Credit Union is a full-service financial institution and deposits are insured by the NCUA up to $250,000. Our members own Diamond Valley Federal Credit Union so we have no outside stockholders and our Board of Directors are volunteers. Diamond Valley is not-for-profit so we can return profit back to the members

  • Heritage United Mortgage Services
  • 1420 N Weinbach Ave, Evansville, IN, 47711
  • We are a family owned mortgage lender dedicated to making the home loan process simple and fast. Dan Phillips has been in the mortgage industry for the past 30 years and strives to offer excellent service, low competitive rates and mortgage loan programs that meets your specific need.

  • CIBM Bank
  • 2913 W. Kirby Ave, Champaign, IL, 61821
  • CIBM Bank is a wholly owned subsidiary of CIB Marine Bancshares, Inc. and formerly operated as "Marine Bank" in its Indiana and Wisconsin markets, "Central Illinois Bank" in its central Illinois market, "Avenue Bank" in its Chicagoland market, and Avenue Mortgage, a division of CIBM Bank serving the communities of all CIBM Bank branches

  • First State Bank of Forrest
  • 133 East Krack Street, Forrest, IL, 61741
  • FSB of Forrest has been committed to the people, businesses & communities of Central Illinois. Since first days to the present, our motto is and has always been "a strong friend for your family," words we strive to live & work by every day. We offer our customers a welcoming, personalized experience from the time they step into one of our doors.

  • AA US Mortgage LLC
  • 2000 Clearview Avenue, Suite 212, Atlanta, GA, 30340
  • AA US Mortgage LLC is a mortgage company headquartered in Atlanta Georgia. We fulfill the purchase and refinance loans need for individuals and businesses. We have built a strong reputation as an outstanding mortgage broker, serving the mortgage needs of individuals, real estate professionals, investors, and builders over the past years.

  • Lifestone Mortgage Corporation
  • 2401 West US Highway 20, Suite 206, Pingree Grove, IL, 60140
  • Lifestone Mortgage, our experience, integrity, and unsurpassed service will guide you through the important process and decisions related to home financing. Whether you are a First Time Homebuyer, Trade-up Candidate, or Refinancing to save on your monthly payment or to finance education or for investment.

  • Newton Federal Bank
  • 3175 Highway 278, Covington, GA, 30014
  • At Newton Federal Bank, we strongly believe that a community bank should provide the resources and transparency needed for any person to prosper​. Whether it's the guidance and funding they need to start a new business, a business checking account tailored to the way your company operates, or crash-courses in personal finance.