FHA Vs. USDA loan program for Clay, Onondaga County, New York

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.

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.

Lendersa USDA loan request and matching results

Explaining USDA Loans in NY

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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Clay Lenders
(315) 437-0001 Lender's profile and map Quickline Capital Partners, Inc 4713 Crossroads Park Dr, Suite 101, Liverpool, NY, 13088 Lends in New York We help individuals and corporate borrowers secure the necessary capital, whether they need a refi, a stated income loan, fix-and-flip financing, or improvement financing. While some properties are harder to finance than others, most anything can be financed with some expert help. We can finance.
(800) 343-8979 Lender's profile and map Paragon Home Loans, Inc 225 Greenfield Parkway, Suite, Suite 207, Liverpool, NY, 13088 Lends in New York Paragon Home Loans, Inc. is a licensed mortgage banker by the New York State Department of Financial Services. Founded in 1976, Paragon Home Loans focuses exclusively on the residential mortgage needs of its customers. We have eight convenient locations in Syracuse, Buffalo, Plattsburgh, Binghamton, Utica, Lake Placid, Cortland and Corning.
(315) 445-2300 Lender's profile and map Countryside Federal Credit Union 5720 Commons Park Drive, East Syracuse, NY, 13057 Lends in New York Countryside Federal Credit Union has been open since 1941. The credit union has assets totaling $164.5 Million and provides banking services to more than 5, 000 members. 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
(315) 449-0353 Lender's profile and map Community Bank, N.A. 5821 Bridge Street, East Syracuse, NY, 13057 Lends in New York Community Bank System Inc. (NYSE:CBU) is a full-service financial institution with more than 215 customer locations across New York, Pennsylvania, Vermont & Massachusetts, where we’re known as Community Bank, N.A. With over $13 billion in assets, we have the resources to finance a wide range of personal, small business & commercial business needs.
(315) 471-4621 Lender's profile and map Syracuse Fire Department Credit Union 211 Wilkinson Street, Syracuse, NY, 13204 Lends in New York The Syracuse Fire Department Credit Union was chartered on March 24, 1950. Since that day, we have proudly served professional firefighters in Syracuse and surrounding communities. Today, our membership primarily consists of profesional firefighters, police officers, emergency responders and other small businesses from around Central New York.
(315) 477-2200 Lender's profile and map Empower Federal Credit Union 515 Erie Blvd W, Syracuse, NY, 13204 Lends in New York Empower Federal Credit Union is a full-service financial institution that provides savings, loan, and transaction services to members in Central New York, and in eight counties in New York State. Main offices are located in Syracuse NY. As a credit union, Empower is a financial cooperative and is not-for-profit. For information go to www.empowerfcu
(315) 671-4000 Lender's profile and map Money Federal Credit Union 100 Madison Street, Syracuse, NY, 13202 Lends in New York Mutual of New York Life Insurance Company (MONY) employees founded Money Federal Credit Union in 1976. Credit unions were built on the philosophy of “people helping people.” Money FCU takes that mission statement to the core of how we run our business. It’s about people, community, and sharing resources
(866) 870-2612 Lender's profile and map MHD Empire Service Corp. 300 South State St, Suite 1000, Syracuse, NY, 13202 Lends in New York At MHD Empire Service Corp. We are a sister company of Haylor, Freyer & Coon, one of the largest independent insurance agencies in the Northeast. Founded in 1983, MHD Empire Service Corp. was established to assist retailers, community owners and individuals in securing quality financing and insurance for
(315) 314-1075 Lender's profile and map CNY MBA, Inc. 120 Madison St, 18th Fl, Syracuse, NY, 13202 Lends in New York The Central New York Mortgage Bankers Association is gearing up for our upcoming year. Whether you are a mortgage banker, mortgage broker, appraiser, attorney, credit professional, homebuilder, home inspector, insurance agent, realtor or title insurer, a CNY MBA membership offers you a forum for business and social exchange.