USDA and FHA Pro and Con in Clay, Onondaga County, NY
In 2026, the USDA loan limit in Clay, situated within Onondaga, NY, is $336,500. In contrast, the FHA limit for a single-family residence is $472,030.
To compare the best current rates of USDA versus FHA, use the Lendersa® USDA loan calculator. It will help you evaluate necessary qualifications such as income, credit score, reserves, and essential documents. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, helping to decide which program in Alabama best fits your financial needs.
Loan Limits and Down Payment Requirements for 2026 in Clay, Onondaga, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Choices in Clay, NY
Lendersa® aims to quickly secure you the best possible USDA or FHA loans with minimal hassle. Select one of three pathways to align with lenders and explore USDA loan programs tailored for you.
A USDA home loan is one secured by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, available solely in rural areas. Unlike FHA loans with a 3.5% minimum down payment, USDA mortgages require no down payment.
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