USDA VS FHA in Baldwinsville, Onondaga County, NY

In 2026, the USDA loan limit in Baldwinsville, within Onondaga county, NY, is $336,500, while the FHA limit is $472,030 for a single-family home.

Utilize the Lendersa® USDA loan calculator to weigh today's USDA versus FHA rates and ascertain the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping you determine the best fit in Alabama for your financial situation.

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2026 Loan Limits and Down Payment Requirements in Baldwinsville, Onondaga County, NY

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

Explore USDA and FHA Loan Options in Baldwinsville, NY

Lendersa® is committed to quickly securing the optimal USDA or FHA loan for you, hassle-free. Choose one of three ways to connect with lenders and discover suitable USDA loan programs.

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Understanding USDA Loans in NY

USDA home loans, backed by the Department of Agriculture, also known as USDA rural development loans or mortgages, are available exclusively in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages require none at all.

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



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