FHA VS Conventional loan in Wilson, Niagara County, New York
In 2026, the Conventional loan limit for Wilson in Niagara County, NY, is $726,200, while the FHA cap for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to check today’s best rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents to qualify. This advanced calculator presents Conforming Conventional, USDA, FHA, and VA loans side by side, facilitating the selection of the best program in NY for your financial needs.
2026 Loan Limits and Downpayment Requirements in Wilson, Niagara, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
Note: This table applies to these zip codes: 14108
Conventional and FHA Loan Options in Wilson, NY
The aim of Lendersa® is to swiftly connect you with the best Conventional, USDA, or FHA loans, without hassle. Start with one of three paths that lead to matching lenders and relevant loan programs.
Lockport Schools Federal Credit Union, chartered in 1966, is a member-owned, not-for-profit organization whose objective is to meet the financial needs of our members through professional, courteous service with a personal touch. We take great pride in helping our members get the best value for their dollar.
Cornerstone is a credit union/financial cooperative that has been serving Western New York since 1957. We began as Unit No. 1 Federal Credit Union, serving the employees of Harrison Radiator Division of General Motors. Anyone who lives, works, worships, goes to school or volunteers in Niagara or Erie County can join our credit union.
The Niagara Wheatfield Federal Credit Union was chartered by NCUA on October 28th 1960. Our original charter was for employees and elected members of the Board of Education of the Niagara Wheatfield Central School District #1 who worked in Niagara County, New York; employees of the credit union; members of their immediate families.
With over 80 years of outstanding service, Niagara Regional FCU’s mission remains the same: Providing the complete banking experience by adapting our products to meet the needs of our growing membership, staying current with the latest technology, retaining staff and volunteers who educate every member on a personal level to meet individual needs.
Our mission is to serve our customers with honesty, integrity and experience. We use our expertise to provide home loans to A++ clients and credit challenged clients alike. Our objective is to provide each customer with the lowest interest rate for thier situation and the best product type available for your needs.
The Lewiston Porter FCU was chartered in 1956. It is a not for profit financial institution owned and controlled by the members and is operated for your benefit through a Board of Directors elected by the membership. The Board of Directors is the policy making and governing body of the Credit Union.
1416 Sweet Home Road, Suite 9B, Great Neck, NY, 14228
Lends in New York
Queen City Funding, Inc., a professional mortgage company specializing in residential mortgages. At Queen City Funding, Inc., we will find a loan that fits each borrower. Unlike big banks that have order takers helping you with your loan, we have highly skilled and trained loan consultants.
Rediform Federal Credit Union has been open since 1936 and Rediform Federal Credit Union To become the primary financial institution for our members by promoting savings and providing consumer credit at reasonable rates and to provide the highest level of services while maintaining financial security
The Rose Hill Group of WNY Ltd. was founded by Daniel Monte in 2006. Mr. Monte formed the company to serve as a specialty provider of mortgage banking and financial advisory services to commercial real estate developers and lenders. RHG’s employees collectively have over 75 years of experience in real estate financial services.
