USDA VS FHA in Big-Flats, Chemung County, NY

In 2025, USDA loan limit in Big-Flats, county of Chemung, NY is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Big-Flats, county of Chemung, NY

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Big-Flats, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Mountain Lake Mortgage
  • 1830 3rd Ave East, Suite 201, Kalispell, MT, 59901
  • Mountain Lake Mortgage our mission is to use our wealth of experience and resourcefulness to serve our clients, to put their best interest ahead of our own in every situation and to live by the law of abundance. We thrive on building trust based relationships with everyone we serve.
  • Town and Country Home Mortgage
  • 347 N Main St, Nephi, UT, 84648
  • Town and Country Home Mortgage We are a locally owned mortgage broker able to do your refinance, purchase or construction loans throughout the state of Utah. We specialize and are t broker able to do your refinance, purchase or construction loans throughout the state of Utah. We specialize and are the State's experts on the USDA Rural Guarantee.
  • Utah Independent Bank
  • 55 South State Street, Salina, UT, 84654
  • Utah Independent Bank was established in Salina, Utah and opened for business in August 1977. Utah Independent Bank is the only locally owned bank in the counties of Sevier and Beaver. We currently have four locations to serve the needs of our customers; they are located in Beaver, Milford, Monroe, and Salina, Utah. All locations provide full-servi
  • Frederiksted Federal Credit Union
  • 59 Queen Street, Frederiksted, VI, 00840
  • Frederiksted Federal Credit Union located in historic downtown Frederiksted, St. Croix, U.S.V.I. We here at FFCU have been serving the Virgin Island community for over six decades. We take pride in the strong, personable, and long lasting relationships that we have built with our members throughout the years.
  • St. Pat's Employees FCU
  • 500 West Broadway, Missoula, MT, 59802
  • St. Pat’s Employees Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the St. Pat’s Employees Federal Credit Union will continue a sound yet progressive asset management strategy.
  • First Montana Bank
  • 201 N. Higgins Ave, Missoula, MT, 59802
  • Our story began in 1913 when several gents in Libby Montana got together and decided it would be a fine idea to create a bank dedicated to helping the community prosper and grow. Since that day, that small local bank has grown to ten branches serving eight western Montana communities.
  • Bank of Montana
  • 125 Bank Street, Suite 100, Missoula, MT, 59802
  • We offer a full range of deposit and loan services, featuring some of the most competitive rates in the country. One of our specialties is government-enhanced loans such as those provided in conjunction with the Montana Board of Investments, the Small Business Administration, the U.S. Department of Agriculture, and other state and federal programs.
  • Christiansted Federal Credit Union
  • 43 King Street, Christiansted, VI, 00820
  • The Christiansted Federal Credit Union is a member owned, non-profit financial institution that reinvests its members’ money and provides a full range of personal and affordable financial services to our community. Our goal is to stimulate community development by providing a safe, sound, democratic alternative to traditional banking.
  • Westgate Mortgage LLC
  • 94 West Main Street, Grantsville, UT, 84029
  • Westgate Mortgage are proud to have served the residents of Utah and Nevada since 1997. As a member of the Tooele County community, we have worked to establish a reputation of honesty and reliability. We would never ask our clients or prospective clients to do anything we would also not do and that includes sending social security numbers