Explore the differences! FHA VS Conventional loan programs in Waterloo, Seneca County, New York

In the year 2026, the Conventional loan ceiling for a single-family dwelling in Waterloo, within Seneca county of NY, stands at $726,200. However, the FHA loan cap is $472,030.

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Loan calculator comparison

Utilize the Lendersa® Conventional loan calculator to make comparisons among today's Conventional, FHA, and USDA rates. It helps determine the income, credit score, reserves, and documents crucial for qualification. With our advanced mortgage calculator, you can assess the Conforming Conventional loans alongside USDA, FHA, and VA options to identify the most suitable program in NY for your financial needs.

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Loan limits and down payment requirements for 2026 in Waterloo, Seneca county, NY

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

Applicable for zip codes: 13165

Conventional and FHA loan choices in Waterloo, NY

Lendersa® is committed to offering you the most advantageous Conventional, USDA, or FHA loans swiftly and effortlessly. Choose from three initial pathways that align lenders with loan programs.

  1. Submit your comprehensive request for optimizing Conventional/USDA/FHA loans
  2. Get an early look at Conventional, USDA, and FHA rates & terms
  3. Access the extensive database of Conventional lenders
Lendersa USDA loan request and matching results



  • Atlas Crown Financial, Inc.
  • 1998 Orange Tree Ln, Redlands, CA, 92374

  • Atlas Crown Financial specializes in providing financing options for all types of real estate purchases. Atlas Crown Financial has developed relationships with lenders versed in residential financing options. Our loan officers work with you to understand your options and pick the type of loan best suited for your needs.

  • New Horizon Mortgage Concepts
  • 1255 West Colton Avenue, Suite 120, Redlands, CA, 92374

  • New Horizon Mortgage Concepts thrives on helping our Customers obtain the type of Financing that best addresses their individual and unique requirements. Being a Mortgage Broker allows us to match the many Financing Products we represent with our Client’s specific needs and desires thereby ensuring that we can offer all of our Customers.

  • Arrowhead Capital Mortgage
  • 1425 W Lugonia Ave, Suite 102, Redlands, CA, 92374

  • Arrowhead Capital Corporation is a mortgage broker based in Redlands, CA. that provides service all over Southern California. Our team is always willing to serve you and each loan officer brings years of experience to the table with a smile. Locally owned and operated since 1985, we want to help provide a financial future, one family at a time

  • Mountain West Financial Inc.
  • 1209 Nevada St. #200, Redlands, CA, 92374

  • Mountain West Financial, Inc. is a full-service, privately held Mortgage Banker with an outstanding reputation built on trust, ethical lending practices and true family values. We are a family-owned business who have been making homeownership a reality since 1990. From the time of application to closing.

  • Portland Loan Team LLC
  • 1825 North East 50th Avenue, Portland, OR, 97213

  • Portland Loan Team is an independent mortgage brokerage in Portland, Oregon. We offer competitive rates with a personal touch, a single point of contact available seven days a week, and 24-hour pre-approval to expedite the offer process. Everyone wins! We are a small Mortgage Broker focused on great service and rates.

  • Alliance Commercial Credit Group
  • 8002 NE Highway, Suite 503, Vancouver, WA, 98665

  • Since 1995, Alliance Commercial Credit Group has specialized in providing alternative financing to companies throughout the Western United States. Guided by its founder, Suzy Oubre, the company has placed more than $75 million in financing to more than 100 companies in virtually every industry group.

  • Oregon Home Mortgage
  • 1585 W Main St, Suite S, Molalla, OR, 97038

  • At Oregon Home Mortgage, 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.

  • The Brooks Bailey Group
  • 108 Orange St, Suite 5, Redlands, CA, 92373

  • The Bailey Group Has Been An Active Top-Producer In The Southern California Real Estate Market Since He Began His Real Estate Career. This Is Because He Focused On What Is Most Important: You, The Client. Brooks Has Had The Frustration Of Seeing Other Agents Not Understand The Huge Responsibility And Honor.

  • Jayco Home Loans
  • 490 Alabama Street, Suite 101, Redlands, CA, 92373

  • The BEST at Hard Money. We are fast, efficient and no BS. Give us a call so we can get our heads wrapped around your scenario and your needs.

    We serve California, HOWEVER, will also speak to borrowers from other states, as we have various referral sources and will make the best recommendation for your needs.

  • Sunnie Baltes, Mortgage Lender
  • 300 E State Street, Suite 210, Redlands, CA, 92373

  • My goal is to make homeownership not only a goal, but a reality! I offer many loan programs for purchases and refinances such as Conventional, FHA, VA, USDA, JUMBO, Down Payment Assistance and First Time Homebuyer products. I provide financing for residential homes with occupancies of primary residence

  • Jennifer Lund Mortgage
  • 184 S. Eureka Street, Redlands, CA, 92373

  • "Jennifer Lund has established herself as a top producing and performing mortgage professional at Caliber Home Loans. Experience exceptional service at Jennifer Lund Mortgage. Equal Housing Lender.
    Licensed by the Department of Business Oversight under the CA Residential Mortgage Lending Act."
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