USDA VS FHA in Arcade, Wyoming County, NY

In 2025, 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.

Examine loan offers from 100 various lenders

2025 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.

Overview of Lendersa USDA Loan Request and Matching Results

Understanding USDA Loans in NY

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



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  • The Ritter Mortgage Group was founded by Jon Ritter with the goal of helping homebuyers and their realtors with financing their home purchase, while setting our loan originators apart by a level of service that is not often found in our industry.We specialize in finding the right loan to meet your needs .
  • MortgageOne, LLC
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  • We opened our full-time offices in Maryland in 1999. We are a small operation committed to providing the best possible lending experience available. All of our mortgage consultants are seasoned professionals with an average of more than 15 years experience. We consider ourselves consultants, not loan officers because we work with you to determine.
  • MidAtlantic Farm Credit
  • 45 Aileron Ct., Westminster, MD, 21157
  • MidAtlantic Farm Credit is an agricultural lending cooperative owned by its member‐borrowers. It provides farm loans for land, equipment, livestock and production; crop insurance; and rural home mortgages. The co-op has over 10, 600 members and almost $2.4 billion in loans outstanding. MidAtlantic has branches serving DE, MD, PA VA and WA.
  • Zen Mortgage Group
  • 114 Hovatter Drive, Inwood, WV, 25428
  • Zen Mortgage Group(formerly Zen Loans Home of the Refi King Serving All Your Mortgage Needs! Licensed in WV, VA and MD Zen Loans has been in business since 1999 offering infinite options for all your refinancing and new mortgage needs. Contact us for a no obligation consultation. Plus, ask about all our low mortgage rates
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  • The United Federal Credit Union
  • 3 Sunset Beach Road, Morgantown, WV, 26508
  • The United Federal Credit Union is a federal credit union chartered in 1973. A Federal Credit Union is a cooperative, not for profit financial institution chartered by the federal government. We are dedicated to the concept of “people helping people”. We serve employee groups, associations
  • Premier Bank
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  • Premier Bank is a full-service community bank conveniently located throughout Ohio, Indiana, Michigan and Pennsylvania. Offering personalized service and a comprehensive range of financial solutions for consumers and commercial businesses, Premier Bank remains locally focused to understand our customers.
  • FERKO Maryland Federal Credit Union
  • 502 W Patrick Street, Frederick, MD, 21701
  • FERKO Maryland Federal Credit Union was established in 1955 to meet the financial needs of employees of the Frederick County, Maryland Public Schools, the Frederick Community College and members of their immediate families. From the original eight charter members, FERKO has grown to where it services over 4, 000 members.
  • Revolutionary Mortgage Company
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