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


  • First Source Federal Credit Union
  • 4451 Commercial Drive, New Hartford, NY, 13413
  • First Source Federal Credit Union is dedicated to helping people Live Smarter, offering financial services and education to improve the quality of life of their Members and the communities they serve. Founded in 1938, First Source is a not-for-profit, Member-owned financial cooperative with branches in New Hartford, North Utica, South Utica, Rome,
  • Adirondack Bank
  • 185 Genesee Street, Utica, NY, 13501
  • Adirondack Bank, we value putting a face to a name. That’s why for over a century we’ve personally dedicated ourselves to delivering trusted, full-service community banking to the families and businesses of Upstate New York. Adirondack Bank consistently provides cutting edge banking, standing as an eight-time recipient of the Small Business Lender
  • Bank of Utica
  • 222 Genesee Street, Utica, NY, 13502
  • Bank of Utica is a full service commercial bank headquartered in Utica, NY. Bank of Utica offers a traditional line of products expected at a community bank, as well as some cutting edge services offered at larger banks. Bank of Utica was founded in 1927 and has been locally owned and operated since its inception.
  • The Summit Federal Credit Union
  • 100 Marina Drive, Rochester, NY, 14624
  • The Summit has one of the highest employee retention rates in the industry. It truly cares about its employees, helping them to achieve their personal and professional goals. At The Summit, we are committed to creating an inclusive professional environment where individual differences are respected and valued.
  • St Pius Federal Credit Union
  • 2998 Chili Avenue, Rochester, NY, 14624
  • St. Pius X Church Federal Credit Union has been open since 1967. The credit union has assets totaling $94.07 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • Gates Chili Federal Credit Union
  • 2870 Buffalo Road, Rochester, NY, 14624
  • In 1964, seven teachers in the Gates Chili school district started the credit union, originally named Gates Chili School District Federal Credit Union. The Gates Chili Federal Credit Union is a full-service, financial cooperative that offers a broad range of financial products and services to our members.
  • Alternatives Federal Credit Union
  • 125 North Fulton Street, Ithaca, NY, 14850
  • Alternatives is a regional Community Development Credit Union (CDCU) & a Community Development Financial Institution (CDFI). Our mission is to build wealth & create economic opportunity for underserved people & communities. Our vision is to lead an economic movement to create thriving, empowered communities with financial freedom for everyone.
  • CFCU Community Credit Union
  • 1030-1050 Craft Road, Ithaca, NY, 14850
  • Our mission is to provide the highest level of personal financial services in a friendly, professional manner; to encourage thrift, savings and the wise use of credit; to increase the knowledge & ability of our members to manage & control their financial well-being; to provide sound financial management.
  • Spencerport Federal Credit Union
  • 2775 Spencerport Road, Spencerport, NY, 14559
  • The Spencerport Federal Credit Union was founded in 1962 by a small group of members, and it has grown each year, continually improving its services, through the dedication and volunteer work of many of its members. Originally founded to serve the employees of the Spencerport School District, SFCU was granted a small Community Charter in 2006.
  • Remington FCU
  • 39 Central Plaza, Ilion, NY, 13357
  • Remington Federal Credit Union has been open since 1937. The credit union has assets totaling $54.2 Million and provides banking services to more than 4, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
  • Genesee Valley Federal Credit Union
  • 4621 Millennium Drive, Geneseo, NY, 14454
  • At Genesee Valley Federal Credit Union, if you live, work, worship, go to school or volunteer in Livingston or Wyoming Counties, you are eligible to become a member. Also, included are member's immediate family- grandparents, parents, step-parents, spouse children (including adopted and step), grandchildren and siblings (step-siblings).