In 2026, the USDA loan limit for a single-family home in Boonville, within Oneida county, NY, is $336,500, whereas the FHA limit is $472,030.
Lendersa® offers a USDA loan calculator that allows you to contrast the top rates of USDA and FHA loans today. It helps assess the necessary income, credit, reserves, and documentation for qualification. Our mortgage calculator visualizes a side-by-side comparison of USDA, FHA, Conforming, and VA loans to aid in determining the best program for your financial needs 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% |
Lendersa® strives to secure the best USDA or FHA loan efficiently and hassle-free. Choose from three starting paths to find matching lenders and USDA loan programs.
A USDA home loan, endorsed by the government Department of Agriculture, is also known as a USDA Rural Development loan or USDA mortgage, and is applicable only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans do not necessitate any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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