USDA Vs. FHA Pro and Con comparison in Darien, Genesee County, NY

In 2025, USDA loan limit in Darien, county of Genesee, NY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Darien, county of Genesee, NY

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Darien, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Fort Randall Federal Credit Union
  • 231 Lake Street, Wagner, SD, 57380
  • In 1951 Ft. Randall Federal Credit Union was chartered to serve local federal employees of the Pickstown School District, and their immediate family members. Once a member of Ft. Randall Federal Credit Union, you can always be a member, even if you move out of field of membership!
  • Syntex Mortgage LLC
  • 6027 Dallas Blvd, Orlando, FL, 32833
  • "Syntex Mortgage will assist you with obtaining either a construction mortgage loan for your construction project or an “end” mortgage to purchase one of our homes. We will walk you through the entire process from loan application to loan closing. Our Licensed Mortgage Specialist can customize mortgage loan products specific to your circumstance.
  • Orlando Credit Union
  • 945 South Orange Avenue, Orlando, FL, 32806
  • We believe in offering a better banking alternative. Because Orlando Credit Union is a not-for-profit financial cooperative, our earnings go back into the credit union to be able to offer competitive rates on savings and loan products, and lower fees than other financial service providers.
  • Priority Credit Union
  • 301 East Michigan Street, Orlando, FL, 32806
  • The mission of PCU is “To foster the growth of our employees & as a team, deliver financial advice & products to the people of our community for each stage of lives” & with years of history combined with a bright future the delivery of dreams seems to continue.We are committed to a set of core values that ensures a member-centric business focus.
  • America's Money Source
  • 2306 Curry Ford Rd, Orlando, FL, 32806
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
  • Personalized Mortgage Planners Inc
  • 2295 South Hiawassee Road, Suite 207, Orlando, FL, 32835
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Multi Home Loans LLC
  • 6735 Conroy Road, 2nd Floor, Suite 219, Orlando, FL, 32835
  • At Multi Home Loans, LLC we educate and empower people to make smart financial decisions with their mortgage in order to build wealth, having amazing rates and low costs! We are not your average mortgage broker, we provide our clients with an unmatched level of product, price and service will always remain our top priority.
  • Mortgage Solutions of Central Florida, Inc.
  • 1104 S. Clarke Road Suite 50, Orlando, FL, 32835
  • Mortgage Solutions has created custom financing options for Commercial and Residential borrowers since 1995. We've worked with clients who have phenomenal credit scores and clients with credit challenges. Our past clients happily refer their friends, family, and co-workers to us because they know our staff delivers on our promises.
  • HDH Mortgage
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  • At HDH Mortgage Inc, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options
  • Azalea City Mortgage Inc.
  • 1120 Hillcrest Rd, Suite 2D, Mobile, AL, 36695
  • The Azalea City Mortgage Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • Angel Mortgage Services Inc
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  • We take pride in providing you with first-rate service and not only appreciate but look forward to the opportunity to assist you with your mortgage needs. Ike Darius the founder and CEO of Angel Mortgage Services. Over the course of 19 years Ike have been involved, in some form or another, the mortgage profession.
  • Park Square Home Mortgage, LLC
  • 5200 Vineland Rd, Suite 250, Orlando, FL, 32811
  • Park Square Home Mortgage is a joint venture between Park Square Homes and FBC Mortgage, LLC. PSH Mortgage focuses on providing its customers with industry best service. We offer a wide array of competitive mortgage products with expertise in every area of residential mortgage lending from purchasing to refinancing to construction lending