USDA and FHA Pro and Con 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.
Chartered in 1933, Northwest Missouri Regional Credit Union is a not-for-profit financial cooperative, owned, controlled, and operated for the benefit of its members. Since there are no outside stockholders to satisfy, the credit union can return a greater percentage of its income to you
Midwest Minnesota Community Development Corporation
119 Graystone Plaza, Suite 100, Detroit Lakes, MN, 56501
MMCDC is a leading private nonprofit company providing commercial and home mortgage lending, as well as housing, business and community development services throughout Minnesota and the Midwest. We are also the parent company of a reservation-based bank and a reservation-focused community development company.
1135 Washington Ave, Suite 100, Detroit Lakes, MN, 56501
Principle Mortgage Group, Inc. is a wholesale Mortgage Broker committed to providing our clients with great customer service combined with great rates. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced mortgage professionals
Citizens Bank of Rogersville offers a comprehensive approach to community bank services centered on your needs and aspirations. Our professionals are here to assist you with your financial requirements for both your personal and business needs. This allows us to help you develop solutions that work for you alone.
Farmers State Bank is a locally owned, independent, community bank. We have four locations to better serve our customers. Our main office is located in Underwood, MN, and three branches are located in Dalton, Rothsay, and Fergus Falls, MN. Our officers, directors, and staff all live and work in our local communities.
Blue Ridge Bank is a locally owned, community bank, established in 1958. With eight locations serving the communities of Independence, Raytown, Kansas City, Lee's Summit, and Blue Springs. Blue Ridge Bank has services to meet every need. Services include: Personal checking including high-interest checking, savings and money market accounts.
Dawson Co-op Credit Union is a member-owned, nonprofit financial cooperative. A cooperative is an association of people who voluntarily join together to meet their common economic, social, or cultural needs, and aspirations through a jointly owned and democratically controlled enterprise.
Ashton State Bank's product line and service culture is unrivaled in banking today. We take a great interest in providing you with cutting-edge products and services. We take the time to find out how we might better service all your financial needs We are proud to be a small-town community bank.
