USDA and FHA Pro and Con in Darien, Genesee County, NY
During the year 2026, the USDA loan cap in Darien, within the county of Genesee, NY, is $336,500. For a single-family home, the FHA limit is $472,030.
To evaluate and compare the top USDA versus FHA rates for the day and to ascertain income, credit, reserves, and necessary documentation for eligibility, utilize the Lendersa® USDA loan calculator. This advanced tool allows you to assess USDA, FHA, Conforming, and VA options side by side, providing insight into which program in suits your financial circumstances best.
2026 Loan Limits and Down Payment Requirements in Darien, Genesee, NY
Loan Type
Loan Cap
Down Payment Required
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Opportunities in Darien, NY
Lendersa® is committed to helping you secure the best USDA or FHA loan quickly and without stress. Choose from three starting points to find matching lenders and USDA loan offerings.
A USDA home loan is secured by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, specifically available for rural areas. In contrast to FHA loans requiring a minimum of 3.5% down, USDA mortgages demand no down payment.
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