FHA VS Conventional loan programs in White-Plains, Westchester County, New York

For 2026, individuals interested in Conventional loans in White-Plains, within Westchester county of NY, will find that the loan limit is set at $970,800. Conversely, for a single-family home, the FHA loan cap is $970,800. Knowing these limits is vital for planning real estate investments and purchases within these areas, ensuring that consumers are well-informed about the financial parameters that guide their loan applications.

Utilize the Lendersa® Conventional loan calculator to effectively compare today's most competitive rates among Conventional, FHA, and USDA loans. This tool helps define the income, credit level, reserves, and documents necessary for qualification. Our advanced mortgage calculator places Conforming Conventional loans alongside USDA, FHA, and VA options, allowing you to make the best decision for your specific financial needs in NY. This comparison is invaluable for those looking to optimize their mortgage strategy.

Delve into a diverse array of loan offers from 100 lenders

Detailed coverage of 2026 loan limits and downpayment guidelines in White-Plains, Westchester county, NY

Loan Type Loan Limit Down payment
Conventional Conforming $970,800 3%
USDA $0 0%
FHA $970,800 3.5%

Please note that this table applies to the zip codes: 10603

Diverse loan options: Conventional and FHA in White-Plains, NY

The core objective of Lendersa® is to efficiently connect you with the most suitable Conventional, USDA, or FHA loan, minimizing any inconvenience. Choose among three starting pathways to link up with lenders and loan offerings that truly align with your requirements. By providing an intuitive and straightforward means to access these loan products, we ensure that your journey towards securing a mortgage is as smooth and beneficial as possible.

Examine USDA loan requests and matches by Lendersa


White-Plains Lenders

  • 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.

  • 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

  • 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

  • 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.

  • 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.

  • Educational & Governmental Employees FCU
  • 333 N Central Avenue, Hartsdale, NY, 10530
  • Lends in New York
  • Established in 1937, Educational and Governmental Employees Federal Credit Union is a safe, secure, and full service financial institution, serving nearly 7, 300 members. We pride ourselves on offering outstanding service and providing members with the tools and resources for a brighter financial future.

  • 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.