Explore the differences! FHA VS Conventional loan programs in SUNY-Oswego, Oswego County, New York

In 2025, the loan limit for Conventional loans in SUNY-Oswego, found in the county of Oswego, NY, is $647,200, whereas for a single-family home, the FHA limit is $420,680.

Leverage the Lendersa® Conventional loan calculator to compare current rates for Conventional, FHA, and USDA loans. Use this tool to determine the needed income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side, making it easier to select the most suitable program for your financial needs in NY.

Explore loan offers from a network of over 100 lenders

Loan Limits and Down Payment Requirements for 2025 in SUNY-Oswego, Oswego County, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table applies to zip codes: 13126

Explore Conventional and FHA Loan Options in SUNY-Oswego, NY

Lendersa® is committed to quickly connecting you with the best possible Conventional, USDA, or FHA loan options without any hassle. Choose from three starting points to link you with matching lenders and suitable loan programs.

Lendersa USDA loan requests and matching results


  • Commonwealth Mortgage & Investments, Inc
  • 3740 West Hundred Road, Chester, VA, 23831
  • Commonwealth Mortgage and Investments, is a local mortgage company located in Chester, Virginia and has been servicing the Tri-City area for the past 25 years in the same location. They offer all type of mortgage loans and also With over 20 years in the business, we specialize in VA loans and have some of the best VA interest rates in the area.
  • Hopewell Chemical Federal Credit Union
  • 702 Elm Street, Hopewell, VA, 23860
  • Hopewell Chemical Federal Credit Union has been open since 1965. The credit union has assets totaling $49.69 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
  • Direction Mortgage
  • 649 Lancaster Pike, Suite 100, Circleville, OH, 43113
  • Direction Mortgage has helped thousands of people navigate their way through the home buying maze and achieve their dream of home ownership...and we’ve done so with pride since 1992. We can help you obtain an FHA (Federal Housing Administration), USDA Rural Development, VA or Conventional loan. Direction Mortgage can help you find the loan
  • The Union Bank Co.
  • 105 Progressive Drive, Columbus Grove, OH, 45830
  • The Union Bank Company has been committed to providing the very best banking products and services to the communities and businesses it serves throughout Northwest and Central Ohio. Headquartered in Columbus Grove, the bank has grown to include offices in Bowling Green, Columbus Grove, Delphos, Findlay, Gahanna, Gibsonburg, Kalida, Leipsic, Lewis C
  • Portland Federal Credit Union
  • 9077 Charlotte Hwy., Portland, MI, 48875
  • PFCU is a credit union located in West/Central Michigan dedicated to improving our members’ lives.With assets of over $690 million, more than 52, 000 members and 12 branches, PFCU provides every type of financial service our members require. From loans to credit cards to business banking solutions, members trust PFCU to provide financial service.
  • Homestead Savings Bank
  • 415 S. Superior Street, Albion, MI, 49224
  • Homestead Savings Bank is a full-service financial institution with locations in Albion, Leslie and Springport. Since 1889 our mission has been to provide outstanding service to our customers. Decisions are made locally by people who know our customers and our communities. Founded as a Federal Savings Bank.
  • Katahdin Trust Company
  • 11 Main Street, Patten, ME, 04765
  • Katahdin Trust is built on our heritage of commitment to the growth of the communities we serve. In our role as a true community bank, Katahdin Trust and its employees have long been recognized for our commitment to giving back to the communities that we serve. We are very proud that our commitment to communities is so extensive.
  • The State Bank and Trust Company
  • 401 Clinton Street, Defiance, OH, 43512
  • State Bank of Defiance was founded in 1902 by Elbert E. Carter and rapidly grew into one of northwest Ohio’s leading financial institutions. Our first bank was located on the southwest corner of Clinton and Third Streets in Defiance. And although the facility has been rebuilt over the years, that corner is still home to our Main Banking Center
  • Midwest Community Federal Credit Union
  • 8770 State Route 66, Defiance, OH, 43512
  • Midwest Community Federal Credit Union is a member owned and controlled financial cooperative whose members share in the profits and benefits of the organization. We are the power of 14, 000 consumers in Northwest Ohio working together to achieve their financial goals and dreams. Our credit union exists for the purpose of building lifelong trusted.
  • Fort Lee Federal Credit Union
  • 4495 Crossings Boulevard, Prince George, VA, 23875
  • Fort Lee Federal Credit Union is a community-chartered credit union headquartered in Prince George, VA. Since 1952, the credit union has provided affordable financial services to the community through checking, savings, and loan products. The credit union currently serves almost 17, 000 members.
  • Superior Financial Solutions
  • 4230 Elida Rd, Lima, OH, 45807
  • Superior Credit Union has its own in-house insurance agency, Superior Insurance Services (SIS). SIS offers discounted auto, home, life, and business insurance to Superior Credit Union members. Superior Insurance Services is an independent insurance agent representing many of Ohio's leading insurance companies