USDA Loan Vs. FHA loan for Gaines, NY 2026

For 2026, the loan limit for USDA in Gaines of Orleans county, NY is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Leverage Lendersa®'s USDA loan calculator to compare the top current USDA vs. FHA rates and determine the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator lets you see USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your financial situation in .

Loan Options: USDA and FHA in Gaines, NY

Lendersa® strives to secure the optimal USDA or FHA loan for you swiftly and with ease. Choose one of three methods to connect with lenders and explore USDA loan programs align with your needs.

Understanding the USDA Loan in NY

The USDA home loan, backed by the government's Department of Agriculture and also known as the USDA rural development loan or USDA mortgage, is offered solely in rural areas. Distinct from FHA loans, which require at least a 3.5% down payment, the USDA loan demands none.

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(361) 595-5538 Lender's profile and map Reviews Texas Community FCU 605 East Caesar Avenue, Kingsville, TX, 78363 Texas Community Federal Credit Union (formerly known as Kingsville Community FCU) has been open since 1937. The credit union has assets totaling $22.75 Million and provides banking services to more than 2, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working,
(970) 527-4141 Lender's profile and map Reviews First Colorado National Bank 133 Grand Avenue, Paonia, CO, 81428 First Colorado National Bank is proud to be the only bank headquartered right here in Delta County. We offer simple accounts that allow you to craft your finances the way you want--including a robust Rewards Checking that will make you think you got a visit from the Cash Deposit Fairy.
(575) 393-1596 Lender's profile and map Reviews Estacado Federal Credit Union 2220 N Dal Paso Street, Hobbs, NM, 88240 On January 13, 1953, a small group of people from the Hobbs Municipal Schools joined together to establish a credit union to offer its members an opportunity to accumulate their savings and create a source of credit. Since 1953, the credit union has experienced changes such as growth, new products & services, and technological improvements.
(575) 397-4511 Lender's profile and map Reviews Lea County State Bank 1017 N Turner St, Hobbs, NM, 88240 Chartered on November 2, 1928, during the great oil boom days the original Lea County State Bank of Lovington played an important part in the early development of this area. Dedicated to the people of Lea County, the bank adopted their pioneer spirit, which would eventually make this part of New Mexico great.
(307) 587-4915 Lender's profile and map Reviews Sunlight Federal Credit Union 1702 17th Street, Cody, WY, 82414 Sunlight Federal Credit Union has been open since 1953. It's the 10th largest credit union in Wyoming with assets totaling $162.21 Million and providing banking services to more than 10, 000 members as of March 2022. The credit union is a community-based financial institution. People living, working
(855) 504-9005 Lender's profile and map Reviews Ozona National Bank 503 11th St., Ozona, TX, 76943 On June 1, 1905, a group of West Texas ranchers joined forces to open Crockett County’s first bank in Ozona, Texas. Local citizens of Ozona – used to entrusting their funds to the town mercantile’s safe–lined up to make deposits at the new banking institution. Descendants of those founders are still direct employees of the bank
(406) 932-5311 Lender's profile and map Reviews Citizens Bank & Trust Company 32 Central Avenue North, Harlowton, MT, 59036 The history of our bank traces back to the first financial institution in Big Timber. In 1890 William Shanks and Thomas Lee placed some private funds in an office safe and for a while did a loan business. The following year Shanks helped organize and became Vice President of Big Timber National Bank.
(505) 988-2501 Lender's profile and map Reviews Santa Fe Mortgage 459 Cerrillos Rd, Santa Fe, NM, 87501 Santa Fe Mortgage focuses on giving our customers personalized service while also providing rates that are comparable to or better than those offered by the big banks. Owner Lance Armer has dedicated himself to the mortgage industry – and could not imagine doing anything else. His story reflects the story of Santa Fe Mortgage.
(505) 629-4161 Lender's profile and map Reviews Mortgage Partners 417 E. Palace Ave, Suite C, Santa Fe, NM, 87501 Our mission is to find you the best mortgage product to fit your needs, secure it at the best rate possible, and guide you through the loan process with personalized service. Our expertise-with more than 45 collective years of professional experience-allows us to provide you with personalized
(505) 557-1199 Lender's profile and map Reviews Direct Payday Loans 70 E San Francisco St, Santa Fe, NM, 87501 directpaydayloans.com is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service.
(505) 455-5228 Lender's profile and map Reviews Del Norte Credit Union 510 N Guadalupe St, Suite A, Santa Fe, NM, 87501 Del Norte Credit Union (DNCU) is a member-owned, not-for-profit financial institution which embraces the culture and community traditions of New Mexico. Our mission is improving lives by providing our customers with unparalleled, sound, and unbiased financial advice. Not only is DNCU an active advocate of financial literacy
(505) 995-8888 Lender's profile and map Reviews Anasazi Mortgage 150 Washington St, Suite 201, Santa Fe, NM, 87501 If the idea of mortgages intimidates you, you've come to the right place. Mortgages don't have to be a maze of financial garble. Anasazi Mortgage can make your experience an AMAZING one. Buying the home of your dreams, or if you're refinancing, is a process, but Ginger Sullivan of Anasazi Mortgage will work with you step-by-step.