FHA VS Conventional loan programs in 2026 for Sayre, Bradford County, Pennsylvania

In 2026, the limit for a conventional loan in Sayre, part of Bradford county, PA, is set at $726,200. Meanwhile, the FHA loan limit applicable for a single-family home in the same area is $472,030. These financial limits are crucial for buyers as they define the maximum borrowing potential available to them in this part of the state.

Employ the Lendersa® Conventional loan calculator to compare the top available rates for Conventional loans today, in contrast to FHA and USDA options. This comprehensive tool helps you determine the necessary qualifications including income thresholds, credit ratings, reserves, and required documentation. Our advanced mortgage calculator allows for a side-by-side viewing of Conforming Conventional, USDA, FHA, and VA loans, aiding you in deciding which program in PA aligns best with your particular financial outlook and goals.

Begin by exploring and comparing loan offers sourced from a wide selection of over 100 lenders

2026 Loan Limits and Down Payment Requirements in Sayre, County of Bradford, PA

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

Information provided in this comparison table specifically pertains to the listed zip codes: 18840. It is recommended to confirm with your specific zip code to ensure accurate loan limits and requirements.

Exploring Loan Paths: Conventional and FHA Opportunities in Sayre, PA

The core mission of Lendersa® is to promptly align you with the most appropriate loan options, be they Conventional, USDA, or FHA, minimizing unnecessary complexities along the way. Opt for one of the three foundational starting points provided to connect with compatible lenders and personalized loan programs that meet your financial needs and aspirations.

Illustration of Lendersa USDA loan requests and matching outcomes


  • VAntage Trust Federal Credit Union
  • 247 Wilkes Barre Township Boulevard, Wilkes Barre, PA, 18702
  • VAntage Trust Federal Credit Union has been serving its members since 1948 when it was founded by the employees of the VA Medical Center, Wilkes-Barre, Pennsylvania. We now serve over 8, 000 members. Our membership also includes members from 70 active Select Employee Groups (SEG). We are chartered by the federal government.

  • Cross Valley Federal Credit Union
  • 640 Baltimore Drive, Wilkes Barre, PA, 18702
  • Cross Valley FCU was chartered by the National Credit Union Association in February 1969.Originally chartered as the Wilkes-Barre Federal Employees Federal Credit Union, its sponsor was the Data Operations Center of Social Security in Wilkes-Barre. Subsequent expansion of the Federal Charter was approved by NCUA to include Select Employee Groups.

  • John E Young Mortgage LLC
  • 1550 Hwy 315, Suite 102, Wilkes Barre, PA, 18702
  • John E Young has been in the Mortgage Industry for 18 years and Licensed by PA Department of Banking for the past 15 years. In less than 3 years as a Mortgage Originator, he was able to open his own Mortgage Company, and over 85% of his company’s business comes from referrals.John has helped many clients fix and analyze their credit reports.

  • First Columbia Bank & Trust Co.
  • 232 East Street, Bloomsburg, PA, 17815
  • First Columbia Bank & Trust Co. has been Columbia County’s community bank for nearly 120 years. With more than $709.5 million in assets as of December 31, 2017, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia and Montour Counties and the surrounding area.

  • Finger Lakes Federal Credit Union
  • 7 Seneca Street, Geneva, NY, 14456
  • People You Know. Service You Trust. We are dedicated to providing you with loan and deposit products designed with your needs in mind.
    We're open to the community! If you live, work, worship, volunteer, or attend school in Ontario, Seneca, or Yates County, or if you are a member of an immediate family or household of those within the field of mem

  • Generations Bank
  • 20 East Bayard Street, Seneca Falls, NY, 13148
  • Generations Bank was established in 1870 as Seneca Falls Savings Bank—a New York chartered mutual savings bank. In 2012, the bank’s name and the insurance agency’s name were changed to Generations Bank and Generations Agency respectively.

    In January 2021, Generations Bank's holding company reorganized as a fully public stock holding company.

  • Wayne Bank
  • 717 Main Street, Honesdale, PA, 18431
  • Founded in 1871 in Honesdale, PA, Wayne Bank has 26 community offices serving Northeast Pennsylvania, along with Delaware and Sullivan Counties in New York State. Wayne Bank also operates offices as Bank of the Finger Lakes and Bank of Cooperstown in Ontario, Seneca, Yates, and Otsego Counties in New York State.

  • The Dime Bank
  • 820 Church Street, Honesdale, PA, 18431
  • At The Dime Bank, we believe in relationships. With offices in Honesdale, Hawley (downtown and the lake region), Damascus, Greentown, Dingmans Ferry, and Carbondale, we strive to be our communities’ total financial partner. We have been helping generations of customers in Northeastern Pennsylvania realize their goals and dreams by meeting their fin

  • Honesdale National Bank
  • 724 Main Street, Honesdale, PA, 18431
  • Founded in 1836, The Honesdale National Bank is the oldest, locally-owned, community bank headquartered in Northeastern PA with offices in Wayne, Pike, Susquehanna, Lackawanna, & Luzerne counties. Visit www.hnbbank.bank/about/convenient-locations/ for locations & hours. HNB offers full-service personal & business banking and safe deposit boxes.

  • West Milton State Bank
  • 940 High Street, West Milton, PA, 17886
  • Susquehanna Community Bank was founded March 13, 1920, with 201 accounts and resources of $49, 000 in the village of West Milton, PA along the Susquehanna River. As our resources grew, so did our success. In 2020, we were ranked 63rd in the Nation as a Top Community Bank by US Banker Magazine

  • Service 1st Federal Credit Union
  • 1985 Montour Boulevard, Danville, PA, 17821
  • 1st Federal Credit Union is a full-service financial institution who puts the financial goals of our members at the heart of everything we do. Whether in one of our twelve branches located in Bloomsburg, Danville, Elysburg, Lewisburg, Loyalsock, Mifflinburg, Montandon, Shamokin Dam, Sunbury and Wilkes-Barre, or out-and-about in the community.