USDA Vs. FHA Pro and Con comparison in Fenton, Broome County, NY

For 2026, the USDA loan limit in Fenton, situated in the county of Broome, NY, is set at $336,500, while the FHA's maximum is $472,030 for single-family residences.

Employ the Lendersa® USDA loan calculator to juxtapose today's optimal USDA and FHA rates and ascertain the necessary income, credit score, reserves, and documentation needed for qualification. Our sophisticated mortgage calculator allows side-by-side comparison of USDA, FHA, Conforming, and VA offerings, aiding you in selecting the ideal option for your financial scenario in .

Review loan options from a selection of 100 lenders

2026 Loan Thresholds and Down Payment Details in Fenton, Broome, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Fenton, NY

Lendersa® is committed to securing you the best USDA or FHA loan quickly and easily, without any hassle. Begin with one of the three initial avenues offered to connect you with compatible lenders and tailor-fit USDA loan programs.

Lendersa USDA loan application and comparative findings

Comprehending USDA Loans in NY

Known as a USDA rural development loan or USDA mortgage, this government-backed loan by the Department of Agriculture is exclusively available in rural areas. In contrast to FHA loans, which necessitate a minimum 3.5% down payment, USDA loans provide the significant advantage of requiring no down payment at all.

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



  • Specialty Home Loans
  • 5515 60th Ave NE, Seattle, WA, 98105
  • We are full-stack real estate entrepreneurs. We buy, sell, invest, develop, build, and finance real estate. Over the years, we have enabled many clients to build wealth and become financially secure from real estate through opportunistic and value-added investment philosophies in over 200 residential and commercial transactions.

  • NWF mortgage
  • 5034 48th Avenue NorthEast, Seattle, WA, 98105
  • At NWF, We have the most powerful mortgage rate search engine to help you find the best loan product. We are partners with more than 20 top mortgage lenders and investors nationwide. Funded more than $200 Million loans in 2021. Helped hundreds of homeowners lowered their monthly mortgage payment.

  • Northwest Home Loan
  • 10402 35th Avenue North East, Seattle, WA, 98125
  • Northwest Neighborhood Realty and Northwest Home Loan is committed to helping you either find the right home or mortgage product for your needs. We understand that every buyer and borrower is different. We offer a variety of products to meet your individual requirements. When you submit a loan request with us, we will work closely.

  • eLink Mortgage LLC
  • 3207 NE 125th St, Seattle, WA, 98125
  • eLink Realty LLC, doing business as eLink Realty is a licensed real estate broker. Our associates may have acted as a real estate broker representing the buyer/seller in the sale of properties.eLink Mortgage would like to provide mortgage brokerage services to you in connection with your loan to purchase properties.

  • North Coast Credit Union WA
  • 1100 Dupont Street, Bellingham, WA, 98225
  • We've been devoted to our members since 1939. Treat each other with respect, understanding, consideration and dignity. We will create a rewarding and positive working environment where all can fulfill their potential and enjoy coming to work. Deliver compassionate, knowledgeable and personal service that helps members achieve their dreams.

  • Industrial Credit Union
  • 1100 North State Street, Bellingham, WA, 98225
  • Industrial Credit Union has been a part of Whatcom County for 80 years. With over $307 million in assets and nearly 35, 000 members we’re invested in our community and Industrial members know our employees as friends and neighbors. As a credit union and as individuals we’re constantly growing, learning and improving.

  • Advisory Lending Group
  • 119 N Commercial St, Suite 240, Bellingham, WA, 98225
  • Advisory Lending Group, we are driven to meet the mortgage needs of our community.Whether you are purchasing your first home, investment property or building your dream home, Carla Lee and Advisory Lending Group will empower you with confidence with our knowledge, convenience & solid expertise from initial application through and beyond the closing

  • WECU
  • 600 E Holly St, Bellingham, WA, 98225
  • WECU, we strive to make a meaningful difference in the lives of our members. That’s why we commit our people, capital, and ideas to help our members, and the communities we serve, grow. Taking care of our members means taking care of our people first. That’s why we strive to be an employer of choice by offering market-leading pay.

  • Cascade Federal Credit Union
  • 18020 80th Avenue S, Kent, WA, 98032
  • Established in 1952, Cascade FCU originally served employees of the Cascade Division of the Great Northern Railway. Through railroad mergers, the Burlington Northern Santa Fe developed, which is our largest employee group. In 1982, credit union regulations began allowing credit unions to serve additional employee groups.

  • Rhonda Porter - Mortgage Master Service Corp.
  • 20425 72nd Avenue S, Suite 210, Kent, WA, 98032
  • Rhonda Porter is a Licensed Mortgage Originator MLO121324 living in the greater Seattle area. Rhonda began her career in 1986 in the title and escrow industry and joined Mortgage Master Service Corporation as a Loan Officer in 2000 and began blogging in 2006. Mortgage Master Service Corporation (NMLS ID#40445) is owned by the Porter family.

  • Kent Jewelry & Loan
  • 624 West Meeker St, Kent, WA, 98032
  • Affordable Goods Since the 1980's, Kent Jewelry & Loan has been serving Washington residents with used retail items at reasonable prices. As Kent's oldest pawn shop, our family-owned and operated business has never failed to supply a large variety of used firearms, jewelry, electronics, sporting goods