FHA VS Conventional loan programs in 2025 for Whitesboro, Oneida County, New York
In the year 2025, the Conventional loan limit set for Whitesboro, located in the county of Oneida, NY, is $726,200. Conversely, the limit for an FHA loan specifically for a single-family home is $472,030. Understanding these limits helps in planning for the type of loan most suitable for your needs.
Make use of the Lendersa® Conventional loan calculator to effectively compare the prevailing rates for Conventional, FHA, and USDA loans today. This tool aids not only in determining the best rates available but also in identifying the necessary income level, credit score, reserves, and documents required to qualify for each loan type. By employing our advanced mortgage calculator, you can conveniently analyze and view the differences between Conforming Conventional loans, USDA, FHA, and VA loans side by side. This comparison is crucial in deciding which loan program in NY aligns most closely with your particular financial situation and objectives.
2025 Loan Limits and Down Payment Requirements in Whitesboro, County of Oneida, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
The information provided in this table pertains to the relevant zip codes: 13492, thereby offering a localized view that might reflect more accurately the conditions and limits pertinent to your specific location.
Discover Conventional and FHA Loan Options in Whitesboro, NY
The primary mission of Lendersa® is to facilitate the acquisition of the most favorable Conventional, USDA, or FHA loans, ensuring both speed and simplicity in the process. We aim to minimize hassles while maximizing opportunities for financial solutions. To begin this journey, you can choose from three distinctive starting points that are designed to connect you with well-matched lenders and loan programs tailored to your needs.
Whether you are a first-time homebuyer or looking to refinance, these tools and resources are designed to help facilitate a smoother transition into homeownership or to improve your fiscal standing through refinancing options.
Directions Credit Union—banking you can trust with a strong history and the highest quality financial services since 1953—now serves over 100, 000 members and manages a collective asset of more than $864 million. It’s this responsible management of member funds and the cost savings we pass along to our members
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.
1355 International Terminal Boulevard, Suite 102, Norfolk, VA, 23505
The Port of Hampton Roads ILA Federal Credit Union is a financial institution owned and controlled by it's members. It continues to exist solely for the financial benefit of it's members through their ability to save money in the form of Share (deposits), purchasing of savings certificates (certificates of deposits) and other savings mechanisms.
Wanigas Credit Union is a member-owned financial cooperative dedicated to providing a full range of quality financial products and services that meet the ever-changing needs of our membership. Services like mobile banking that include mobile loan applications, mobile check deposit, mobile bill pay and more.
Team One Credit Union was originally organized by a group of 15 teachers as Saginaw Teachers Club Credit Union in 1935. Formed to fill a need as a place where teachers could receive financial assistance at reasonable rates, the purpose of this credit union was, and is, to encourage thrift (savings) among our members.
Lakeview Funding Group LLC is your hometown mortgage broker! We are licensed and cover all of Michigan and Indiana. Our promise is to find the best loan program and interest rate for your individual needs. Having many lenders to choose from, we shop around so you don't have to! We specialize in Conventional, FHA, USDA and VA loans.
First Neighborhood Bank is a strong, community-based bank headquartered in West Virginia. Since our beginnings more than 100 years ago,our goal has always been the same – to provide our customers with solid financial products paired with unbeatable customer service. Our team of skilled banking experts offer a full range of advanced lending products.
600 22nd Street, Suite 300, Virginia Beach, VA, 23451
TowneBank Mortgage is your hometown mortgage company and is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available to offer affordable loans, quick processing and exceptional service. TowneBank Mortgage is licensed to engage in business as a Maryland Mortgage Lender.
600 22nd Street, Suite 302, Virginia Beach, VA, 23451
Towne Mortgage is your hometown mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. Towne Mortgage is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available.
600 22nd Street, Suite 204, Virginia Beach, VA, 23451
Advance Financial Group is your local mortgage company. As a division of TowneBank, we uphold the principles and philosophies that have been established by our hometown traditions. TowneBank Mortgage is dedicated to providing the personal experience that you expect from a hometown lender with the most advanced technology available.
