USDA and FHA Pro and Con in Fayetteville, Onondaga County, NY
In the year 2026, the USDA loan limit in Fayetteville, located in the county of Onondaga, NY, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top rates of USDA versus FHA loans today. Evaluate the needed income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, helping you make an informed decision on the most suitable program in for your financial situation.
2026 Loan Limits and Down Payment Requirements in Fayetteville, County of Onondaga, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Fayetteville, NY
The aim of Lendersa® is to swiftly connect you with the best USDA or FHA loan options with minimal hassle. Choose from one of three starting points that align you with suitable lenders and USDA loan programs.
A USDA home loan, which the Department of Agriculture backs, is also referred to as a USDA rural development loan or USDA mortgage. It is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment at all.
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