USDA Loan Vs. FHA loan for Ellisburg, NY 2026

In 2026, the USDA loan limit in Ellisburg, located in Jefferson County, NY, is set at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. Determine the necessary income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA loans side by side, guiding you to the best program in for your financial needs.

Options for USDA and FHA Loans in Ellisburg, NY

Lendersa® aims to swiftly secure you the best available USDA or FHA loan without complications. Choose from three starting pathways to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, backed by the Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is exclusively available in rural neighborhoods. Contrary to FHA loans requiring a minimum 3.5% down payment, the USDA mortgage requires no down payment.

Get top 10
USDA LENDERS
customized to yout needes

(888) 632-8380 Lender's profile and map Reviews MBA Mortgage Services 426 S Main St, Bel Air, MD, 21014 MBA Mortgage Services, Inc. started its business in 1999 as a small Maryland-based mortgage company that primarily focused on home buyers and assisting them with the purchase of their new home. During the next 10 years, MBA Mortgage has expanded its operation into three branches and nine states and now specializes in all types of home financing.
(410) 833-6600 Lender's profile and map Reviews Farmers and Merchants Bank 15226 Hanover Pike, Upperco, MD, 21155 Farmers and Merchants Bank is a community bank that was established in 1919 and is headquartered in Upperco, Maryland. Farmers and Merchants Bank currently operates eight banking offices located in Northern Baltimore County and Carroll County, Maryland. Member FDIC. Equal Housing Lender
(410) 336-4329 Lender's profile and map Reviews Freeland Financial 2104 Appaloosa Drive, Fallston, MD, 21047 Freeland Financial has built a strong reputation as an outstanding mortgage brokerage firm. We serve the lending needs of builders, real estate professionals, and individual homebuyers throughout the state of Maryland, Virginia, and Florida.Our customers keep coming back because we have low rates and the best service in MD, VA and FL..
(800) 542-4937 Lender's profile and map Reviews Coastal Lending Group LLC 909 Ridgebrook Road, Suite 108, Sparks Glencoe, MD, 21152 At Coastal Lending Group LLC, 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.
(724) 995-8297 Lender's profile and map Reviews Westmoreland Financial Services of Pa Inc 305 W Main St, Ligonier, PA, 15658 Westmoreland Financial Services of Pennsylvania Inc. is a mortgage broker committed to providing businesses and consumers with individual attention and professional financial solutions. We deliver superior personal service in a consolidation financial services environment which increasingly deemphasized service.
(207) 783-0351 Lender's profile and map Reviews Dirigo Federal Credit Union 20 Washington Street, Auburn, ME, 04210 Dirigo Federal Credit Union services members in the greater Lewiston/Auburn area including Mechanic Falls & South Paris and has for over 60 years! Dirigo FCU proudly serves the counties of Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, and York.
(207) 376-3007 Lender's profile and map Reviews East Coast Mortgage Group 316 Center Street, Auburn, ME, 04210 East Coast Mortgage Group is a mortgage broker that is located in Auburn, Maine that offers the best rates, terms and fast closings throughout the State of Maine. Since 2007, East Coast Mortgage Group has been a mortgage company that has excelled to meet the needs of Maine communities within Lewiston, ME, Auburn, ME and Portland
207 512 6364 Lender's profile and map Reviews T&M Commercial Funding 259 Minot Ave, Auburn, ME, 04210 T&M Commercial Funding provides equity based lending on all property types. We cater to Investors, brokers, Corporations and sub-prime money borrowers who do not meet the stringent requirements set forth by conventional lenders and banks. Our excellent reputation as a Direct Hard Money Lender has been built on our ability to provide fast financing
(724) 274-6666 Lender's profile and map Reviews Colfax Power Plant EFCU 832 Pittsburgh Street, Springdale, PA, 15144 The Colfax Power Plant Employee Federal Credit Union has been providing services to its members for over 75 years. Established in 1939, we are a non-profit, member-owned, financial institution that is federally chartered and regulated by the Pennsylvania Department of Banking and federally insured by the National Credit Union Administration (NCUA).
(724) 275-5071 Lender's profile and map Reviews The Cheswick Atomic Division Federal Credit Union 420 Low Grade Road, Cheswick, PA, 15024 Cheswick Atomic Division Federal Credit Union has been open since 1962. The credit union has assets totaling $6.55 Million and provides banking services to more than 500 members. The credit union is a manufacturing employee-based credit union. Membership is also open to immediate family of current members.
(814) 623-6093 Lender's profile and map Reviews Hometown Bank of Pennsylvania 638 East Pitt Street, Bedford, PA, 15522 The dream of starting a locally owned and managed full service community financial institution began in 2006 when a group of Bedford county business leaders formed an organizing group. Included in the group were Don DeArment of Friends Cove Mutual Insurance, Barry Ressler of Ressler, Inc.
(508) 679-0197 Lender's profile and map Reviews Westport Federal Credit Union 655 State Road, Westport, MA, 02790 In 1949, Antone Costa moved to the town of Westport. He enrolled in Business school and began to study Accounting, Cost Accounting, and Business Law for the next three years. Around that time he realized that Westport did not have a banking facility. Upon consulting the President of St. Mathieu’s Credit Union, he began to assemble a group.