Explore the differences! FHA VS Conventional loan programs in West-Monroe, Oswego County, New York

In 2025, Convetional loan limit in West-Monroe, county of Oswego, NY is $647,200 while FHA limit is $420,680 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 West-Monroe, county of Oswego, NY

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

The comparison table applies to zip codes: 13103, 13167, 13036

Conventional and FHA loan options in West-Monroe, 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


  • South Ottumwa Savings Bank
  • 320 Church Street, Ottumwa, IA, 52501
  • South Ottumwa Savings Bank has grown from a simple currency exchange to a full-service financial institution with acquired offices of Hedrick Savings Bank in 2011, West Liberty State Bank in 2015 and Peoples State Bank in 2020. A community bank, with decisions made locally by people who know the community and surrounding areas.
  • Community 1st Credit Union
  • 235 Richmond Ave, Ottumwa, IA, 52501
  • Community 1st Credit Union is a Not-For-Profit financial cooperative that has been serving members for over 85 years. From a humble beginning, we have grown to serve over 60, 000 members. As a Not-For-Profit financial institution, we give returns to our members in higher savings rates, better services, and lower borrowing rates.
  • GNB Bank
  • 529 G Ave, Grundy Center, IA, 50638
  • GNB Bank is proud to be a locally and employee owned, community bank with a focus on friendly, personal service from people you know and trust. We take care of the communities we serve – families, small businesses, local agriculture – and we care about you! I invite you to sample the financial services we offer, from loans, insurance
  • GeoVista Federal Credit Union
  • 601 W Oglethorpe Hwy, Hinesville, GA, 31313
  • GeoVista Credit Union was founded as Fort Stewart Georgia Federal Credit Union in 1964 in Hinesville, GA. In 2007, we expanded to include all individuals and families within Bryan, Bulloch, Chatham, Effingham, and Liberty Counties, as well as Fort Stewart and Hunter Army Airfield.
  • Dove Mortgage, Inc.
  • 617 Windhaven Drive, Hinesville, GA, 31313
  • Dove Mortgage, Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you
  • Moody Mortgage Corporation
  • 108 S Commerce St, Hinesville, GA, 31313
  • At Moody Mortgage Corporation we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you. Moody Mortgage Corporation works with multiple lenders.
  • NSP St. Paul Credit Union
  • 825 Rice Street, Saint Paul, MN, 55117
  • Northern States Power St. Paul Credit Union has been proud to exclusively serve the employees of XCEL (formerly NSP) Energy Company and their families. Since day one, NSP was founded to provide more specialized, hands-on service and better cater to the specific needs of our members—and above all else.
  • Jay Dacey Mortgage Team Inc
  • 2862 Middle St, Saint Paul, MN, 55117
  • Since 2003, Jay Dacey has been helping home owners plan for, obtain and manage their home loans. The Jay Dacey Mortgage Team was founded to fulfill our mission to help clients achieve the American Dream of home ownership. Our vision is to become the largest independent mortgage brokerage in MN by delivering 5 star service.
  • Bremer Bank
  • 380 Saint Peter St, Suite 500, Saint Paul, MN, 55102
  • We offer banking, mortgage, investment, wealth management, trust and insurance in Minnesota, North Dakota and Wisconsin. We’re here to help you solve your toughest problems, seize your biggest opportunities, and achieve success on your terms, now and in the future. Bremer Bank has roots in the places where we live and work that go back to 1943.