FHA VS Conventional loan programs in Utica, Oneida County, New York
In the year 2025, the limit for conventional loans in Utica, within the county of Oneida, NY, is set at $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.
The Lendersa® Conventional loan calculator enables you to evaluate today’s leading rates among Conventional, FHA, and USDA loans, helping you determine necessary income, credit, reserves, and documents for qualification. Our comprehensive mortgage calculator displays Conforming Conventional loans, USDA, FHA, and VA side-by-side, assisting you in choosing the best program available in NY for your financial situation.
Loan Limits for 2025 and Down Payment Requirements in Utica, County of Oneida, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison table applies to zip codes: 13501, 13502, 13503, 13504, 13505, 13599
Conventional and FHA Loan Options in Utica, NY
At Lendersa®, our aim is to swiftly facilitate you in finding the best possible Conventional, USDA, or FHA loan without any hassle. Choose one of three starting paths to match with the right lenders and programs for you.
The firm’s principals have a combined 40+ years experience in property development and real estate finance and have originated over $1 billion in high-yielding private mortgages throughout their careers. Triumph's mission is to provide debt capital to meet the complex needs of today’s real estate investors nationwide.
512 Via de la Valle Suite 200, Solana Beach, CA, 92075
The SFG family of funds was built on disciplined lending models to provide for consistent income with a focus on capital preservation. For three decades, the principals of SFG, John Odegard and Greg Elderkin, have faithfully managed their discretionary authority and proven the quality of SFG’s capital stewardship through numerous market cycles.
24002 Via Fabricante, Suite 226, Mission Viejo, CA, 92691
LoanAction Mortgage Services is a full service mortgage company with an experienced staff offering expertise in every area of mortgage lending. We are a direct-to-consumer mortgage company and we focus on three fundamentals: superior service, excellent rates and access to all types of home mortgage financing options.
At Legacy Home Loans our experienced mortgage professionals view a new loan as an opportunity to help you purchase a new home or to show your the saving benefits of ReFinancing your current loan. But it is more than that! We believe it is a start of a long term relationship that can save the home owner thousands of dollars over the life
At Consumer Direct Home Loans, where we specialize in residential mortgages. At Consumer Direct Home Loans, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
26381 Crown Valley Parkway, Suite 130, Mission Viejo, CA, 92691
At South coast funding group 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.
Open House Funding, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
27281 Las Ramblas, Suite 200, Mission Viejo, CA, 92691
Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
26522 La Alameda, Suite 200, Mission Viejo, CA, 92691
Dej Lending is a California-based mortgage brokerage firm that specializes in mortgage loans for homes of all shapes, sizes, and prices. Our main focus is on personalizing your loan to fit your needs. A mortgage is the biggest financial commitment you can make, and our expertise and dedication to customer service will give you complete confidence
