USDA Vs. FHA Pro and Con comparison in Arcade, Wyoming County, NY
In 2026, the USDA loan limit for Arcade, in the county of Wyoming, NY, is $336,500. For a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA loans. You'll determine the needed income, credit, reserves, and documents for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, simplifying your decision for the most suitable program in based on your financial conditions.
2026 Loan Limits and Down Payment Requirements in Arcade, County of Wyoming, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Arcade, NY
The mission of Lendersa® is to efficiently and effortlessly secure for you the finest USDA or FHA loan available. Start with one of three options to connect with lenders and USDA loan plans that match your unique requirements.
A USDA home loan is guaranteed by the government, under the auspices of the Department of Agriculture. Also termed as USDA rural development loan or USDA mortgage, it is exclusively available in rural areas. FHA loans require a minimum 3.5% down payment, whereas USDA mortgages require no down payment.
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