USDA Vs. FHA your options comparison in Fairmount, Onondaga County, NY
In the year 2026, the USDA loan limit for Fairmount in the county of Onondaga, NY is $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator to evaluate and contrast today's USDA versus FHA best rates. Determine the requirements for income, credit, reserves, and documentation needed for eligibility. With our advanced mortgage calculator, examine USDA, FHA, Conforming, and VA loans side by side, to help choose the most suitable program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Fairmount, County of Onondaga, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Fairmount, NY
The aim of Lendersa® is to secure the most suitable USDA or FHA loan quickly and seamlessly. Choose one of three starting options that connect you to appropriate lenders and USDA loan programs.
A USDA home loan, often referred to as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and is exclusively for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
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