FHA VS Conventional loan programs in 2026 for Staten-Island, Richmond County, New York

In the year 2026, the conventional loan limit for a single-family property in Staten-Island, within Richmond county of NY, stands at $970,800. Meanwhile, the FHA's threshold is $970,800.

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Comparison of loan calculators

To effectively assess today's best Conventional, FHA, and USDA rates, employ Lendersa®'s Conventional loan calculator. It helps determine the appropriate income, credit score, reserves, and documentation necessary for qualification. Our enhanced mortgage calculator allows an easy comparison of Conforming Conventional loans, USDA, FHA, and VA loans side by side, aiding in the selection of the right program for your financial circumstances in NY.

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Overview of 2026 Loan Limits and Down Payment Requirements in Staten-Island, Richmond County, NY

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

This comparison table is applicable to the following ZIP codes: 10302

Exploring Conventional and FHA Loan Options in Staten-Island, NY

Lendersa® aims to swiftly secure you the most advantageous Conventional, USDA, or FHA loan with minimal fuss. Choose from one of three starting points, each leading to perfectly matched lenders and loan programs.

  1. Submit a thorough request for optimizing Conventional/USDA/FHA loans
  2. Discover Conventional, USDA, and FHA rates & terms preliminarily
  3. Access the most extensive database of Conventional lenders
Results for Lendersa USDA loan requests and matches



  • Golden Lenders
  • 18950 W 54th, Golden, CO, 80403

  • We have more than 25 years of experience in the mortgage industry – just the expertise you need for a successful outcome. Our team of mortgage consultants work to simplify the process for you, while educating you on this complex process. Whether its your first home, or you’re an experienced home buyer

  • The Bank of Clovis
  • 300 Main Street, Clovis, NM, 88101

  • The Bank of Clovis is a state chartered bank with deposits insured by the FDIC. The Bank was founded October 16, 2000. Our shareholders are employees, farmers, ranchers, small business owners, construction workers, teachers, doctors, lawyers, nurses, policemen, and firemen -- all from Curry County and the surrounding area.

  • Frost Mortgage Lending Group
  • 2610 N Prince St, Clovis, NM, 88101

  • Frost Mortgage, we’re dedicated to giving each customer a great experience. Our local home Loan Originators have decades of combined experience in the mortgage industry and can help you reach your short- and long-term goals.Our local specialists have the resources of a huge national mortgage company and the friendly attitude of your neighbors.

  • The Mortgage SuperStore
  • 420 Commerce Way, Clovis, NM, 88101

  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • ACPE Federal Credit Union
  • 2835 Grand Avenue, Laramie, WY, 82070

  • ACPE Federal Credit Union has been in the community for almost 54 years and we are still going strong. We have recently expanded our building to better serve our members. We have a friendly staff waiting to help you with any financial needs you may have. Call or stop in today!Credit Union has been in the community for almost 54 years

  • UniWyo Credit Union
  • 2020 Grand Ave, Suite 100, Laramie, WY, 82070

  • At UniWyo, we put people first - our members, our colleagues, everyone in our communities. In all we do - even the smallest interactions - we aim to better people's lives.

    UniWyo Credit Union offers members unique account and loan options including Auto Loans, Mortgages, Xtraordinary Checking, Credit Cards and much more.

  • Choice One Mortgage Inc
  • 2900 Grand Avenue, Suite 13, Aspen Square laramie, WY, 82070

  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.

  • COLONIAL SAVINGS, F.A.
  • 2020 Grand Ave, Suite 100, Laramie, WY, 82070

  • Colonial is a national provider of banking, home loans and insurance. Founded in 1952, the company has $1 Billion in assets and is privately held by choice to ensure our focus remains on our customers and not the expectations of Wall Street. Colonial is rated “Five Stars – Highly Recommended” as one of the strongest financial institutions

  • Mint Mortgage LLC
  • 31021 Troutdale Ridge Road, Evergreen, CO, 80439

  • Mint Mortgage is committed to find the best loan program for your needs. Our company is different than most because we operate as brokers to look across available wholesale lenders that offer financing in Colorado. We have very little overhead, so the lowest rate is passed directly to you.

  • Loan Zone Mortgage, LLC.
  • 28225 Hwy 74, Suite 202, Evergreen, CO, 80439

  • The Loan Zone Mortgage, LLC. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • Fox Valley Mutual Inc
  • 2942 Evergreen Parkway, Suite 425 C, Evergreen, CO, 80439

  • Our mission is to offer the best mortgage rates and minimal closing costs while providing outstanding service! We understand that purchasing or refinancing your home is one of the most important decisions you will make in your lifetime. As such, we believe it is our responsibility to guide you through the mortgage process as a trusted advisor.
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