USDA Vs. FHA your options comparison in Brewerton, Onondaga County, NY

In 2025, the USDA loan limit for Brewerton, located in the county of Onondaga, NY, is $336,500. At the same time, the FHA limit for a single-family residence is $472,030.

Employ the Lendersa® USDA loan calculator to evaluate and compare the most favorable USDA versus FHA rates available today. Determine the necessary income, credit, reserves, and paperwork required to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping you choose the program in most aligned with your financial situation.

Assess loan offers from 100 varied lenders

2025 Loan Limits and Down Payment Requirements in Brewerton, County of Onondaga, NY

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

Exploring USDA and FHA Loan Options in Brewerton, NY

The aim of Lendersa® is to connect you with the best USDA or FHA loan options swiftly and efficiently. Choose from one of three starting alternatives that link you with lenders and relevant USDA loan programs.

Overview of Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in NY

The USDA home loan is secured by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, offered exclusively in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans necessitate no down payment whatsoever.

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



  • Mortgage Options of Texas Limited Company
  • 2404 South Grand Boulevard, Suite 220-A, Pearland, TX, 77581
  • Committed to providing ideal financing options to homebuyers and homeowners. We care what our customers think of us and so should you. We are partners in your business and your success is ours. Independent, locally owned mortgage brokerage offering various loan options. VA, FHA, conventional, reverse & Non QM loans.
  • First State Bank of Newcastle
  • 24 N. Sumner, Newcastle, WY, 82701
  • First State Bank of Newcastle was founded during the depression in 1924, a time when most banks were being forced to close their doors. Faith in the integrity of the men who started the bank was responsible for the bank’s growth only a few months after the collapse of several Weston County banking institutions.
  • Rocket Federal Credit Union
  • 905 West McGregor Drive, Mc Gregor, TX, 76657
  • Rocket Federal Credit Union has been open since 1954. The credit union has assets totaling $29.97 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member.
  • First National Bank of McGregor
  • 401 S Main St, Mc Gregor, TX, 76657
  • The First National Bank of McGregor in 1889, TFNB is the oldest bank in McLennan County and the seventh oldest national bank in Texas still operating under its original charter. In 1957, we moved from our original location at 217 S. Main in McGregor, Texas to a more modern building across
  • Lone Star Bank
  • 2600 South Gessner Road, Houston, TX, 77063
  • Lone Star Bank was established in Houston in 2006. We are an independent and privately owned community bank primarily engaged in commercial banking with a diversified line of financial products and services, including conventional business and real estate loans and SBA loans. With superior customer service and local decision making.
  • Mortgages Direct
  • 2100 Tanglewilde 185, Houston, TX, 77063
  • William Taylor founder of Mortgages Direct and and own 100% of the company. Our corporate name is Mortgage Factory Inc. and we have been in business in Houston since 1992. I am proud of the fact that we have survived all these years, through the financial crises and boom times alike.
  • SOUTHERN STAR CREDIT UNION
  • 16035 W Little York Road, Houston, TX, 77084
  • Southern Star Credit Union has been open since 1953. The credit union has assets totaling $21.71 Million and provides banking services to more than 3, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
  • First Service Credit Union
  • 16430 Park Ten Place, Houston, TX, 77084
  • First Service Credit Union is proud to say that we’re “For You, Not Profit.” We put our commitment to customers front & center. As a not-for-profit financial cooperative, First Service was started with a distinct purpose: to serve our members and help them reach their financial goals without having to worry about paying investors or shareholders.
  • Imperial Mortgage Services Inc
  • 1400 Broadfield Boulevard, Suite 200, Houston, TX, 77084
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Texas Finance
  • 1400 Broadfield Boulevard, Suite 200, Houston, TX, 77084
  • Texas Finance is composed of native Texans on a mission. We are dedicated to offering you the best loans available, tailored just for you. Our promise is to keep your needs and well being the foremost item in obtaining your loan. We will always tell it like it is and promise -- no surprises at the closing table.
  • Bennett Home Mortgage, LLC
  • 3202 Cobblestone Creek Way, Houston, TX, 77084
  • Bennett Home Mortgage, LLC believe in working hard to get the job done. Our leaders set the example, and it's this example that encourages the entire team to reach for the goal of greatness. Together, we work hard to be leaders in the industry, to stand out from the competition, and, above all, to make sure our customers are satisfied.
  • Brentwood Baptist Federal Credit Union
  • 13033 1/2 Landmark Street, Houston, TX, 77045
  • Brentwood Baptist Church Federal Credit Union has been open since 1993. The credit union has assets totaling $1.34 Million and provides banking services to more than 600 members as of March 2022. The credit union is a religious-based credit union. Membership is also open to immediate family of current members