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.
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.
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.
Our mortgage professionals give you the personal attention you deserve & treat you with the respect due a valued customer.We understand you’re making a commitment in buying new home,refinancing & mortgage or cashing out your home equity.So we make a commitment to you.We will help you qualify, apply & be approved for the right mortgage loan for you
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