FHA VS Conventional loan in Verona, Oneida County, New York
In the year 2025, the maximum allowable limit for conventional loans in Verona, situated within Oneida county of NY, is defined as $726,200. On the other hand, the FHA loan cap for a single-family residence is positioned at $472,030. This distinction aids prospective borrowers in understanding their loan options and potential financial commitments.
Capitalize on the Lendersa® Conventional loan calculator to thoroughly compare the premium rates available today for Conventional, FHA, and USDA loan types. This powerful tool helps determine the income you need, evaluates credit standings, assesses reserve necessities, and pinpoints the required documentation for qualification. Moreover, our advanced mortgage calculator presents a side-by-side comparison between Conforming Conventional loans and other options like USDA, FHA, and VA, thereby guiding you to identify the most suitable program in NY for meeting your specific financial aspirations and needs.
Comprehensive Overview of 2025 Loan Limits and Downpayment Prerequisites in Verona, within Oneida County, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The details in this comparison table specifically apply to the zip codes listed as: 13054, 13478, 13162, 13440
Exploring Conventional and FHA Loan Choices in Verona, NY
The primary mission of Lendersa® is to promptly secure for you the best-possible Conventional, USDA, or FHA loans, with minimal hassle and maximum satisfaction. Choose one of three potential starting points to connect with lenders and loan programs designed to precisely align with your individual financial goals.
Elmira Savings Bank is a full service community bank headquartered in Elmira, NY. The bank currently has thirteen full-service locations in Chemung, Tompkins, Cayuga & Steuben Counties, as well as one loan center located in Broome County. Elmira Savings Bank strives to provide above-average returns to our shareholders while providing a broad range.
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
The Mohawk Progressive Federal Credit Union is a member-owned and directed financial institution. We are dedicated to serving the present and future financial needs of our members through cost effective financial services consistent with co-operative principals, applicable legislation, and sound management.
Family First Federal Credit Union is a full-service, local financial institution with over 15, 000 members that is guided by the principles of Sustainable Excellence. These principles apply to the care and service quality we provide to our members, our dedication to our staff and our responsibility to provide sound products and banking solutions.
Pittsford Federal Credit Union has now served members for 48 years, providing financial information resources, competitive products, and outstanding service. The Credit Union continues to grow and is currently among the largest five credit unions in the Greater Rochester area. In December, we reached $380 Million in assets.
Since our founding in 1962 we have been there for our members through every stage of their lives. Whether starting out with a credit builder loan, student loan, first car… or if moving on to that new car, a Recreational Vehicle for fun, or a home mortgage, WIT has been and will be, here for you.
Rochester & Monroe County Employees Federal Credit Union
460 N Goodman Street, Rochester, NY, 14609
Get the most out of your membership with Rochester & Monroe County Federal Credit Union. With a full range of financial products and services, our goal is to help make banking easy for our members so they can meet their goals. Members are eligible for a range of services to make banking, investing, and lending easier than ever.
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.
Capital Home are buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
