In 2026, the USDA loan limit for a single-family home in Canastota, within Madison, NY, stands at $336,500. Meanwhile, the FHA limit is set at $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates. This tool helps determine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans to assist you in selecting the most suitable option for your financial situation 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® aims to swiftly connect you with the best USDA or FHA loan options without hassle. Choose one of three starting points that link you to matching lenders and suitable USDA loan programs.
The USDA home loan, backed by the Department of Agriculture—also referred to as a USDA rural development loan or mortgage—applies to rural areas. Unlike FHA loans needing at least a 3.5% down payment, USDA mortgages require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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