USDA Vs. FHA Pro and Con comparison in Floyd, Oneida County, NY
In 2025, the USDA loan ceiling for Floyd, Oneida, NY, is set at $336,500, while the FHA cap for a single-family home is $472,030.
Utilize Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. Determine the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator allows you to seamlessly compare USDA, FHA, Conforming, and VA options, guiding you to choose the best program for your financial needs in .
2025 Loan Limits & Down Payment Requirements in Floyd, Oneida, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Choices in Floyd, NY
Lendersa® is dedicated to obtaining the ideal USDA or FHA loan swiftly and effortlessly. Start with one of three approaches to match lenders and USDA loan offerings to your needs.
The USDA home loan, backed by the Department of Agriculture, often called the USDA rural development loan or USDA mortgage, is designated for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgage loans offer the benefit of no down payment requirement.
McKesson Federal Credit Union is a Federally insured, member owned, full service financial institution. For over a half century, we have been committed to providing employees of our employee groups and their families with diversified, high quality, competitively priced financial products and services.
Heritage Financial Corp. has helped hundreds of families achieve their dreams of homeownership. Our team lives in the same communities we serve, understanding the in-depth challenges faced by families and individuals. From residential to commercial financing our team has the experience and expertise to be true partners to our clients.
NFFCU was chartered in 1940 to service the financial needs of the members & their families, of the Fire Department of the City of Newark. Over the past 79 years the credit union has grown to a $18 million financial organization with 5 employees serving over 3, 000 members. NFFCU is headquartered at Newark in a credit union-built-and-owned building.
At American Fidelity Mortgage, we provide lending services and approve our clients into their next home. - Family owned and operated - Direct FHA Lender - Products available include but are not limited to - FHA, Conventional, 203k, Reverse Mortgages, Jumbo’s, USDA, Streamline Refi’s, Full Harp -program.
AMS Mortgage Services, Inc. has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual homebuyers. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending
BD Capital is a direct lender specializing in fast and creative solutions for immediate real estate investor financing needs. We were founded in 2015 with a mission to transform the current private lending landscape by offering a family office environment with competitive lending parameters
Villa Nova Financing Group was founded in 2003 by Anthony Villanova, a Certified Mortgage Planning Specialist (CMPS) and mortgage broker, who brought with him a host of industry expertise gained through years of experience as a serial entrepreneur and commercial investor.Today, Anthony and his team of loan experts provide intelligently
172 Washington Valley Road, Suite 2A, Warren, NJ, 07059
Banknet Mortgage, a hometown mortgage company serving the State of New Jersey since 1991. Our unique business model will provide you with access to mortgage programs offered by some of the largest and most respected financial institutions in the country, as well as provide you with access to several local Bank portfolio programs
