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 .
2026 Loan Limits and Downpayment Requirements in Gaines, Orleans, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
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.
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.
The Spencerport Federal Credit Union was founded in 1962 by a small group of members, and it has grown each year, continually improving its services, through the dedication and volunteer work of many of its members. Originally founded to serve the employees of the Spencerport School District, SFCU was granted a small Community Charter in 2006.
Westside Community Federal Credit Union is now serving the communities of Chili, Churchville, Ogden, Riga and Sweden. Also included are spouses of persons who died while within the field of membership of this credit union, persons retired as pensioners or annuitants from the above employment, members of their immediate family or household,
TVFCU is a community financial cooperative committed to providing quality and moderately priced financial services to the people of our community. Our mission is to promote thrift and provide a source of borrowing for provident and productive purposes; thereby helping our members understand and achieve their personal financial goals.
Tompkins Financial Corporation is a NY state based financial services holding company with $5 billion in assets, providing community banking, insurance, and wealth management services. Committed to creating long-term value for clients, communities, and shareholders, Tompkins' strategy emphasizes responsible growth and strong ROE
The Greece Community Federal Credit Union was Chartered in 1958 under the name of Greece Central School District Credit Union as a State Chartered Credit Union to serve the employees of Greece Central School District. The first Board Meeting was held on September 22, 1958 reporting assets of $36.00.
The Summit has one of the highest employee retention rates in the industry. It truly cares about its employees, helping them to achieve their personal and professional goals. At The Summit, we are committed to creating an inclusive professional environment where individual differences are respected and valued.
St. Pius X Church Federal Credit Union has been open since 1967. The credit union has assets totaling $94.07 Million and provides banking services to more than 6, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
Rochester Area State Employees Federal Credit Union
2300 Buffalo Road, Building 400B, Rochester, NY, 14624
Lends in New York
Rochester Area State Employees Federal Credit Union has been open since 1935. The credit union has assets totaling $18.05 Million. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves federal, state, and local government employees.
In 1964, seven teachers in the Gates Chili school district started the credit union, originally named Gates Chili School District Federal Credit Union. The Gates Chili Federal Credit Union is a full-service, financial cooperative that offers a broad range of financial products and services to our members.
