USDA Vs. FHA your options comparison in Big-Flats, Chemung County, NY

As of 2025, the USDA loan limit in Big-Flats, within Chemung county, NY, stands at $285,000, whereas the FHA limit for a single-family home is $356,362.

Leverage the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates, and determine the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping you select the best program for your financial needs in Alabama.

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2025 Loan Limits and Down Payment Requirements in Big-Flats, Chemung County, NY

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

Exploring USDA and FHA Loan Options in Big-Flats, NY

The aim of Lendersa® is to promptly connect you with the best USDA or FHA loan options, without the hassle. Choose one of three starting points to match with lenders and access suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, guaranteed by the federal government's Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage, exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgage loans require no down payment.

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



  • United Savings Credit Union
  • 1001 1st Avenue N, Fargo, ND, 58102
  • United Savings Credit Union is dedicated to providing exceptional customer service, educating members and helping them succeed financially. Visit us online for more information. United Savings Credit Union has been open since 1935. It's the 13th largest credit union in North Dakota with assets totaling $81.35 Million
  • Freedom Community Credit Union
  • 2940 N University Drive, Fargo, ND, 58102
  • Freedom Community Credit Union is a member-owned and controlled financial organization. We promote financial responsibility and member education and involvement while maintaining long-term financial stability.Credit Union is a member-owned and controlled financial organization. We promote financial responsibility and member education
  • Fargo Federal Employee Federal Credit Union
  • 657 2nd Avenue North, Room 450, Fargo, ND, 58102
  • FFE Federal Credit Union has been open since 1954. The credit union has assets totaling $4.93 Million and provides banking services to more than 500 members. The credit union is a not-for-profit, member-owned financial cooperative providing services to government employee members.
  • Fargo VA Federal Credit Union
  • 2101 North Elm Street, Fargo, ND, 58102
  • At Fargo VA Federal Credit Union, our members are our first priority. If you have questions or concerns, we want to know. We provide products and services that help the financial stability and economic growth for both our members and our community. As part of your community, we plan for the future to help individuals
  • American Federal Bank
  • 215 5th St N, Fargo, ND, 58102
  • At American Federal Bank, we know our clients and understand their farm and business operations. Our clients have confidence in the advice and solutions we offer to help them reach their goals. They know and trust that we will take care of them. Clients tell us they'd recommend American Federal in a heartbeat!
  • Bank of Wiggins
  • 109 West Pine Avenue, Wiggins, MS, 39577
  • The Bank of Wiggins opened on December 4, 1916, after the former Peoples Bank in Wiggins was liquidated. According to an article in the Stone County Enterprise, December 1, 1966, Murphy Cooper arrived in Wiggins on the night of December 3, 1916, by train with the necessary cash with which to open the bank.
  • Flagship Bank
  • 29750 US Highway 19 North, Suite 100, Clearwater, FL, 33761
  • Flagship Bank was founded by a local Board of Directors, owned by committed local shareholders & operated by successful, local bankers with deep roots in our community. As a community-based bank, Flagship Bank is committed to renewing former relationships and building new relationships by catering to the financial needs of owner managed businesses
  • Lewin & Associates
  • 2737 Westchester DR N, Clearwater, FL, 33761
  • Lewin & Associates, Inc. was established in 1996 by President and founder Michael A. Lewin, Investment Advisor Representative. Michael has worked in the financial services industry for over 25 years. Lewin & Associates, Inc. specializes in financial planning and mortgages. We work to help people with savings plans
  • Fidelity Funding Mortgage Corp
  • 759 SR 580, Suite 114, Clearwater, FL, 33761
  • We’re a Florida-based direct lender specializing in both traditional and non-traditional financing options. We understand the Florida marketplace and have created a lending platform to serve the unique needs of homebuyers here in the Sunshine State. Our branch office is located in Clearwater, FL. Our home office is located in Maitland, FL