FHA VS Conventional loan programs in 2025 for Wales, Erie County, New York

In 2025, Convetional loan limit in Wales, county of Erie, NY is $726,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NY is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Wales, county of Erie, NY

Loan Type Loan Limit Down payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The comparison table applies to zip codes: 14169, 14139, 14052

Conventional and FHA loan options in Wales, NY

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Black Diamond Loans Inc.
  • 1990 N. California Blvd, Suite 20, Walnut Creek, CA, 94596
  • We specialize in various types of residential real estate financing designed to complete your transaction with ease. We offer loans to assist with the purchase or refinance of your real estate transaction and also A single-family home or other property, multi-family home (up to 4 units), condo, town home, planned unit development.
  • JVM Lending
  • 1850 Mt Diablo Blvd, Suite 140, Walnut Creek, CA, 94596
  • JVM Lending is a local mortgage lender providing home loan services to clients in California, Texas, Arizona, and Nevada. We've revolutionized the homebuying process to make it as fast, easy, and seamless as possible for our clients, resulting in thousands of happy homeowners over the last 10+ years. Our team of highly-trained
  • Semper Home Loans, Inc
  • 1299 Newell Hill Pl - Suite 101, Walnut Creek, CA, 94596
  • Semper Home Loans provides potential home buyers across demographics, generations, and income brackets with affordable rates and educational resources that are packaged in an intuitively streamlined process. Semper achieves this by omitting extraneous steps in the application process to get you preapproved faster than any other mortgage company.
  • Preferred Mortgage Advisors, Inc.
  • 1261 Locust #229, Walnut Creek, CA, 94596
  • Preferred Mortgage Advisors.As a team of seasoned mortgage professionals, we provide accurate mortgage options, details and costs so you can make a smart mortgage decision for your personal situation and You will receive multiple mortgage options to consider and we take the time to review the pros
  • Avalon Home Loans
  • 8520 Alegre Avenue, Atascadero, CA, 93422
  • We understand that buying or selling a home is more than just a transaction: it’s a life-changing experience. That’s why our team of highly-seasoned real estate professionals is dedicated to providing exceptional, personalized service for all of our clients. Emily Armet, owner and broker of Avalon Real Estate & Home Loans.
  • COLONY MORTGAGE, INC.
  • 5365 El Camino Real, Atascadero, CA, 93422
  • At Colony Mortgage we take special pride in our ability to offer the most complete selections of mortgage financing options to our clients, insuring a smooth, worry free transaction. We love what we do, and seek to find what fits each borrowers needs individually. Our loan officers are interested in your needs!
  • The Mortgage Genie- Karen Douglas
  • 380 Diablo Rd, Suite 201, Danville, CA, 94526
  • Karen Douglas is a 23 year Bay Area mortgage professional with extensive experience and knowledge of the industry and its ever-changing landscape. Born and raised in the Bay Area, Karen has devoted much of her energy to developing happy homeowners in the greater Bay Area. Not limited to the local market, Karen’s resources span all of California.
  • Fiorella Giusti-Barrera | Haven Home Lending
  • 26 Bormio Ct, Danville, CA, 94526
  • Fiorella Giusti-Barrera is a Senior Loan Advisor she says that I am client-centered. I will hold your hand. I don't sell rates; I sell service. I will listen to understand your needs, both short term and long-term goals, then I will customize the loan options to fit your needs. I may show you how to pay off your mortgage early.
  • Persevere Lending
  • 600 San Ramon Valley Blvd, Suite 202, Danville, CA, 94526
  • Persevere Lending (PL) is a California Corporation, specializing in the brokerage of privately funded mortgage transactions for real estate in NC, primarily in the greater Bay Area. Trust Deed investing, also known as “private” or “hard” money, is a niche alternative investment vehicle which offers an attractive return with the security of a Deed.
  • Bay Area Mortgage Group
  • 425 El Pintado Road, Suite 134, Danville, CA, 94526
  • Bay Area Mortgage Group is a professional Mortgage Brokerage serving the entire SF Bay Area. Bay Area Mortgage Group is here to help you achieve your real estate financing goals. Buying or refinancing a home can be a stressful experience. Bay Area Mortgage Group is ready to help.
  • The Agency Finance
  • 696 San Ramon Valley Boulevard, Suite 226, Danville, CA, 94526
  • The Agency Real Estate and Finance is a full-service, real estate and mortgage brokerage representing clients for the California residential and commercial marketplace. We represent a broad spectrum of classes, including single-family residential, new development, commercial business, multi-family residential, residential leasing, and more
  • StoneCastle Land and Home Financial, Inc.
  • 380 Diablo Road, Suite 201, Danville, CA, 94526
  • Our team is committed to providing our clients with the highest quality of 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.