In the year 2025, the USDA loan limit for Arcadia, situated in the county of Wayne, NY, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Make use of the Lendersa® USDA loan calculator to juxtapose today's optimal USDA against FHA rates. It helps determine the income, credit score, reserves, and documents necessary for eligibility. This advanced mortgage calculator allows side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in selecting the most suitable solution for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to quickly find you the best USDA or FHA loan, minus the hassle. Choose any of the three starting points that lead you to matching lenders and USDA loan programs.
A USDA home loan is government-backed by the Department of Agriculture, known as the USDA rural development loan or USDA mortgage. It's solely available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage mandates no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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