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.

Explore offers from 100 lenders

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.

Lendersa USDA loan request and matching results

Understanding the USDA Loan in NY

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.

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



  • BancOhio Financial
  • 271 South Liberty, Powell, OH, 43065
  • At BancOhio, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • One Choice Lending Group LLC
  • 80 Grace Drive, Shawnee Hills, OH, 43065
  • We are one of the most resourceful and dedicated team of hard money and fix & flip investment property mortgage professionals in the industry. We are a client-driven commercial real estate finance firm serving borrowers of real estate capital. We offer all types of debt and equity financing for income producing properties.

  • Liberty Capital Services Llc
  • 438 E Wilson Bridge Rd, Suite 105, Worthington, OH, 43085
  • Liberty Capital Services after graduating from Ohio State University with degrees in finance. As financial planners, we could have remained in the traditional private banking industry, but we decided to embark on a new venture to create a mortgage consulting service like no other.

  • Priority Mortgage Corp.
  • 150 E Wilson Bridge Rd, Suite 350, Columbus, OH, 43085
  • Priority Mortgage proudly serves our borrowers out of our office in Worthington, Ohio. Founded in 1984 and under the direction of the original owner, Priority Mortgage enjoys an unprecedented reputation in the real estate and financial communities. Over 85% of our borrowers are either repeat customers or have been referred by someone.

  • Pro Mac Real Estate and Lender Services
  • 76 Center Street, Waterbury, CT, 06072
  • Pro-Mac Appraisal Management Services is a Regional Appraisal Management Company that specializes in residential and commercial appraisal/valuations for both lending and non-lending purposes. With over 50 years of combined experience in all facets of real estate transactions, we are well-equipped to assist our clients.

  • Leading Edge Investments Group
  • 230 East Main Street, Unit 11, Branford, CT, 06405
  • Judith Acampora founded Leading Edge Investment Group, LLC in 2013 and provides financial coordination of financial affairs and oversees all compliance in underwriting. Leading Edge Investment Group is a commercial brokerage offering short term and long term financing on various Real Estate property types.

  • Trademark Financial Group, LLC
  • 730 Main St, Branford, CT, 06405
  • Trademark Financial Group is a Connecticut licensed mortgage company based in Branford with a combined 35 years of mortgage banking experience. Trademark Financial has grown and made itself a major competitor in the industry. Trademark Financial Group has helped thousands of people to own the home of their dreams.

  • East Shore Mortgage
  • 707 Main Street, Branford, CT, 06405
  • East Shore Mortgage has tried to provide accurate and timely information; however, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. East Shore Mortgage may change the products, services

  • Sachem Lending
  • 698 Main Street, Branford, CT, 06405
  • Sachem Capital, we are a Connecticut-based real estate finance company that specializes in originating, servicing and managing a portfolio of first mortgage loans. We offer short-term secured, non-banking loans to real estate investors to fund their rehabilitation, development or improvement of residential or commercial properties.

  • NH Community Federal Credit Union
  • 98 Charlestown Road, Claremont, NH, 03743
  • The NH Community Federal Credit Union was organized in 1959 for the employees of Joy Manufacturing. A subsequent change of its charter now allows membership eligibility to all individuals who live or work in Sullivan County.

    The purpose of the Credit Union is to promote thrift among its members, and to create a source of credit for provident

  • Claremont Savings Bank
  • 145 Broad Street, Claremont, NH, 03743
  • Claremont Savings Bank is a mutual savings bank founded in 1907 primarily serving the communities of Claremont, Charlestown, and Cornish, New Hampshire. It is overseen by a Board of Trustees that are selected by and from the group of Corporators who represent the interests of the depositors, borrowers, and communities that the Bank serves.

  • The Blue Grass Valley Bank
  • 2583 Blue Grass Valley Road, Blue Grass, VA, 24413
  • With locations in Blue Grass and Monterey, Virginia, we have been serving our neighbors in Highland County, Virginia, and Pendleton County, West Virginia, as well as surrounding counties, since 1915.

    We take pride in providing our customers with a level of sincerity and service unlike any other.