USDA Vs. FHA your options comparison in De-Witt, Onondaga County, NY

In 2026, the USDA loan limit for De-Witt in the county of Onondaga, NY, is $285,000. Meanwhile, the FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to contrast today’s top USDA and FHA rates and identify the necessary income, credit, reserves, and documents for eligibility. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, assisting in determining the best program in for your financial situation.

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2026 Loan Limits and Down Payment Requirements in De-Witt, Onondaga, NY

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Options in De-Witt, NY

The goal of Lendersa® is to get you the best USDA or FHA loan quickly and without hassle. Select one of three starting options to connect with matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

What Is a USDA Loan in NY?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the U.S. Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage does not require any down payment.

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



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