FHA VS Conventional loan in York, Livingston County, New York

In 2025, the Conventional loan cap in York, located in the county of Livingston, NY, stands at $726,200. The FHA limit for a single-family home is set at $472,030.

Use Lendersa®'s Conventional loan calculator to evaluate today's best rates for Conventional, FHA, and USDA loans. Determine what income, credit, reserves, and documentation are needed to qualify. With our detailed mortgage calculator, you can view Conforming Conventional loans, USDA, FHA, and VA side-by-side to decide which option in NY fits your financial needs best.

View and compare loan offers from over 100 lenders

2025 Loan Limits and Downpayment Requirements in York, Livingston, NY

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

The comparison table is applicable to these zip codes: 14539, 14533, 14423, 14486, 14592

Conventional and FHA Loan Choices in York, NY

The aim of Lendersa® is to promptly provide you with the most advantageous Conventional, USDA, or FHA loans without hassle. Choose from three pathways to connect with relevant lenders and loan programs.

Find matching USDA loan request results with Lendersa


  • Capital Bank
  • One Church Street, Suite 100, Rockville, MD, 20850
  • Capital Bank N.A., headquartered in Rockville, Maryland is a Maryland chartered commercial Bank that offers commercial and consumer Banking services to clients in the Washington D.C. metropolitan area, alongside two nation-wide lending brands; Capital Bank Home Loans, a mortgage division that lends in all 50 states.
  • The Yi Team Mortgage
  • 15245 Shady Grove Road, Suite 430, Rockville, MD, 20850
  • The Yi Team Mortgage brings you the most superior mortgage experience possible! We care about your dreams and the financial solutions to make them achievable. We believe that a well planned mortgage creates long term wealth. Chong Yi always believed that financial literacy is the most important part of the mortgage process.
  • Brian Martucci Mortgage Lending
  • One Church Street, Suite 300, Rockville, MD, 20850
  • Brian Martucci, started in the mortgage business in 1986 right out of college and have never left. Brian have been a loan processor, loan officer, mortgage broker, branch manager and vice president. As a mortgage professional Brian help consumers find the best mortgage loans to purchase a new home or to refinance an existing loan.
  • Leader Funding, Inc.
  • 9400 Key West Ave, Suite 220, Rockville, MD, 20850
  • 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.
  • A-Z Mortgage Inc
  • 932 Hungerford Drive, Suite 1A, Rockville, MD, 20850
  • We put our customers first. We listen to you and help you find what you need. If you are looking for first-class service, you have come to the right place! We aim to be friendly and approachable. We are here to serve you and answer any questions you may have. Amy Zhou is the President of A-Z Mortgage Inc.
  • Empire Financial Services Inc
  • 15200 Shady Grove Road, Suite 310, Rockville, MD, 20850
  • Empire Financial is a family-owned and operated mortgage company serving borrowers in Maryland, Virginia, and DC. We believe in a long-term relationship in which we help our clients find the right loan solution for their particular needs. We help our clients review and explore all of the loan options available.
  • Precision Mortgage, LLC
  • 932 Hungerford Drive, Unit 20B, Rockville, MD, 20850
  • At Precision Mortgage, we value your time, so we have streamlined our application process for you. Apply for and upload your mortgage documents through our online portal, allowing us to match you with the best available loan product! We can place all types of mortgages including purchases.
  • The Mortgage Link Inc
  • 3 Research Place, Suite 103, Rockville, MD, 20850
  • we love mortgages and we love helping our clients achieve their goals. Your successes are our successes. Much like a suit, we know that one size does not fit all. Our job is to provide you with high quality loan programs that are tailored to fit your specific needs, with some of the most competitive rates in the nation.
  • Apex Home Loans, Inc
  • 2400 Research Boulevard, Suite 400, Rockville, MD, 20850
  • Apex Home Loans, Inc. is a local mortgage lender headquartered in Montgomery County, MD. Apex focuses on delivering superior customer experiences and takes pride in helping people achieve their dream of owning a home. We’re like you: fellow homeowners, active community members, and family-focused individuals.
  • Greenbriar Lending
  • 9710 Traville Gateway Dr # 295, Rockville, MD, 20850
  • Greenbriar Lending, LLC. has rapidly become one of the most respected private lenders in the industry. Our mission is to provide our customers with the capital and knowledge to insure profitability on all of their real estate transactions. We are self-funded and provide our clients with swift and flexible commercial financing options. We focus on
  • Hanover Bank
  • 80 East Jericho Tpke, Mineola, NY, 11501
  • Hanover Bank provides a fresh and highly personalized approach to banking. We work harder and smarter to help you reach your goals because we know that your success and prosperity helps us build ours. YOU, our clients, are the reason for all we do. Our “fresh” approach results in products and services as individualized as our clients’ needs.