USDA and FHA Pro and Con in East-Syracuse, Onondaga County, NY

In 2026, the USDA loan limit for East-Syracuse, Onondaga county, NY, is $285,000, while the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates and determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options to aid you in selecting the ideal program for your financial circumstances in .

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2026 Loan Limits and Downpayment Requirements in East-Syracuse, 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 East-Syracuse, NY

Lendersa® aims to swiftly secure the best possible USDA or FHA loans without hassle. Choose one of three starting points to connect with matching lenders and find USDA loan programs.

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Understanding USDA Loans in NY

The USDA home loan, also termed a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and is only available in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans demand no down payment at all.

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



  • CONSTRUCTION FEDERAL CREDIT UNION
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  • 1ST SECURITIES MORTGAGE
  • 30150 Telegraph Rd, Suite 320, Bingham Farms, MI, 48025
  • 1st Securities Mortgage, we want to be your mortgage broker & lender for life. Our business is family owned and operated, & that means you will be treated like a partner too. We offer Conventional, FHA, VA, New Construction, Refinance, RD and Renovation Loans. we are dedicated to being responsive to all of our customers and referral partners.

  • Willow Island Credit Union
  • 7910 S Pleasants Highway, Saint Marys, WV, 26170
  • Willow Island Federal Credit Union was chartered on March 4, 1953. The chartering members were Raymond E Leach, Earl D Ellis, R C Lantz, Alfred T Hall, John H Cramer, D Ernest Wilcox, & R K Britton. The credit union was organized due to the need for employees to be able to obtain loans at a reasonable rate.

  • Infinity Home Lending LLC
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  • Mi Bank
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  • 4640 Walnut Lake Road, Bloomfield Hills, MI, 48301
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  • Mayville State Bank
  • 37 E. Ohmer Rd., Mayville, MI, 48744
  • Mayville State Bank has seen quite a bit of history since opening its doors: two great wars, the Great Depression and President Roosevelt’s famous four-day bank holiday (during which Mayville State Bank remained open), political and social turmoil and on through to the age of technology we live in today.

  • Bay Port State Bank
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  • Over 100 years ago, the Bay Port State Bank of W.H. Wallace and Company was established to serve the financial needs of the area. Bay Port State Bank is proud to be part of this growing community and looks forward to many more years of service. Bay Port State Bank Shall always be mindful of the need to increase shareholder value.

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  • Tappan Community Credit Union, Inc
  • 191 Park Avenue East, Mansfield, OH, 44902
  • Tappan Community Credit Union, proud to be the oldest credit union in Mansfield. Over 84 years ago Tappan Employees Credit Union met the needs of a growing industrial workforce and we are pleased to continue those same services today. Membership is open to anyone working, attending school, worshiping or living in Richland County.

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