FHA VS Conventional loan programs in 2026 for Valhalla, Westchester County, New York

In 2026, the conventional loan limit in Valhalla, within Westchester county, NY, is set at $1,089,300. At the same time, the FHA limit for a single-family home is $1,089,300.

The Lendersa® Conventional loan calculator helps compare current rates for Conventional vs. FHA vs. USDA loans. It assists in determining the income, credit, reserves, and documents required to qualify. With our advanced tool, you can view Conforming Conventional loans alongside USDA, FHA, and VA options to choose the best program in NY for your financial situation.

Check loan offers from a selection of 100 lenders

Loan Limits and Downpayment Requirements in Valhalla, Westchester, NY for 2026

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $0 0%
FHA $1,089,300 3.5%

These figures are applicable to the zip codes: 10595

Conventional and FHA Loan Solutions in Valhalla, NY

Lendersa® seeks to quickly deliver the most suitable Conventional, USDA, or FHA loan options without hassle. Choose from three starting methods that provide matching lenders and loan programs.

Results from Lendersa USDA loan request


Valhalla Lenders

  • B Naman Consulting Inc
  • 245 Saw Mill River Road, Suite 106B, Hawthorne, NY, 10532
  • Lends in New York
  • Bruce J. Naman Serving the area for over 25 years, I'm committed to helping you find the right mortgage product for your needs. I understand that every borrower is different, and offer a variety of products to meet your individual requirements, with my expertise, I get the hard deals done. I make the process of securing a mortgage simple.

  • Quintessential Mortgage Group
  • 399 Knollwood Road, Suite 320, White Plains, NY, 10603
  • Lends in New York
  • Quintessential Mortgage Group,we believe in treating customers the way we would like to be treated. We educate, advise, & empower you with mortgage planning tools to help you make informed decisions.We know you need a lot of information before you decide which mortgage broker is right for you, & we’re prepared to give you the information you need.

  • RealFi Home Funding Corp
  • 707 Westchester Avenue, Suite 305, White Plains, NY, 10604
  • Lends in New York
  • We are redefining the mortgage process from the ground up by combining an innovative approach with an experienced management team. We combine state-of-the-art technology with in-house expertise creating a seamless, transparent process that transforms mortgage lending from beginning to end.

  • ABS Based Solution
  • 1133 Westchester Avenue, West Harrison, NY, 10604
  • Lends in New York
  • Asset Based Solution (ABS), LLC focuses on real estate and asset-based lending. We are the leading Hard Money Lender in New York & Florida, also lending in Connecticut, Maryland, New Jersey, and Pennsylvania.

    Our mission is to empower real estate investors, beginners or experienced, to seize opportunities they cannot finance themselves. We under

  • Direct Lending Group
  • 34 South Broadway, White Plains, NY, 10601
  • Lends in New York
  • Loan Fundr is a private Nationwide commercial lender headquartered in New York, offering many financing options, including: bridge financing, hard money loans, private lending, commercial real estate financing, structured joint venture financing, permanent financing, mezzanine financing, construction loans and acquisition financing

  • M1 Capital Corp
  • 50 Main St, Suite 1000, White Plains, NY, 10606
  • Lends in New York
  • M1 Capital Corp. is based in White Plains and New York City, New York and specializes in acquisition financing and refinancing outstanding CRE loans, restructuring current debt and delivering smart, effective solutions through a variety of loan options: conventional financing, private equity real estate lending, SBA 504 and 7a programs.

  • Quorum Federal Credit Union
  • 2500 Westchester Avenue, Suite 411, Purchase, NY, 10577
  • Lends in New York
  • Our mission is to do good by you and for you, by returning profits in the form of our competitive rates, low fees, simple rules, clear communication, frictionless delivery and unbiased advice. Quorum is banking that’s focused on you, and how our products and services can help you live life as you choose.

  • Cardinal Mortgage Corp.
  • 2900 Westchester Avenue, Purchase, NY, 10577
  • Lends in New York
  • At Cardinal Mortgage Corp., we provide an extremely important service in the field of mortgage finance, including the loan origination, working closely with the borrower, pre-qualifying the loan, verifying the credit and property aspects of the loan, and making sure that you, the borrower is protected in all areas of the loan.

  • Bridge Lending Group
  • 2900 Westchester Avenue, Purchase, NY, 10577
  • Lends in New York
  • Bridge Lending Group is a Private Real Estate Lender with offices at 2900 Westchester Avenue,
    Suite 405, Purchase New York 10577.

    We specialize in Refinance, New Construction, Rehab and Fix&Flip mortgages.
    We originate mortgage loans from $100K – $1MM+ against 1-4 family, non-owner occupied properties, at a loan-to-value ratio not exceeding 50