USDA VS FHA in Gaines, Orleans County, NY

For 2025, 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 .

Explore loan offers from 100 lenders

2025 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.

Lendersa USDA loan request results

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.

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



  • Mortgage Advantage
  • 201 Old Country Road, Suite 200, Melville, NY, 11747
  • Mortgage Advantage, a member of the Advantage Group, is a leading mortgage brokerage committed to delivering personalized mortgage solutions. Formed in 1996 and headquartered in Melville, NY, Mortgage Advantage is licensed to originate loans in New York, New Jersey, Connecticut and Florida.
  • Planet Management Group
  • 105 Maxess Rd, Suite N205, Melville, NY, 11747
  • Planet Management Group, headquartered in Melville, New York, is managed by executives with over 100 years combined experience in mortgage servicing, credit risk management, & capital markets activity. Its default management team has over 20 years of experience in default management, loss mitigation, foreclosures, bankruptcies, and REO management.
  • Members Mortgage Corp
  • 35 Pinelawn Rd, Suite 100 E, Melville, NY, 11747
  • Members Mortgage Corp. was created in 1999, specifically to provide an honest and affordable Mortgage Loan Program to NYC’s Police and Firefighter Union Members and their families as a way of giving back to those who give so much of themselves. It was received enthusiastically by the union memberships and proved to be an immediate success.
  • JM Capital Group LLC
  • 20 Broad Hollow Road, Suite 2008B, Melville, NY, 11747
  • JM Capital Group is committed to helping our clients find the best mortgage rates on the market. We take the time to source the best deals from banks, credit unions and mortgage lenders to provide you with the best solutions. Everyone’s situation is unique and we care for each our clients in a personalized way.
  • United Mortgage Corp
  • 25 Melville Park Road, Suite 110, Melville, NY, 11747
  • United Mortgages Corp’s only business is mortgages. Unlike a commercial bank, we are not limited to one or two standard programs. As a mortgage banker, we have many market sources to offer our clients. We know that each customer has a special set of circumstances and our specialty is identifying the right type of loan that meets your needs.
  • Reliance First Capital, LLC
  • 201 Old Country Road, Melville, NY, 11747
  • At Reliance First Capital our goal is to help homeowners and prospective homeowners receive the right mortgage for their specific financial goals. We achieve this by customizing home loan programs that match each of our client's unique needs and situation. We are an approved FHA, VA, Fannie Mae and Freddie Mac lender.
  • United Faith Mortgage
  • 25 Melville Park Road, Suite 100, Melville, NY, 11747
  • "We are a Faith Focused Mortgage Team. Serving clients across the United States. And helping families with arguably the most important purchase of their life. What’s special here though… is that we’ve gotten to put together a team with Christian values, faith & family at our core."
  • Interstate Home Loan Center, Inc
  • 40 Marcus Drive, Suite 100, Melville, NY, 11747
  • We are a direct lender and our service and commitment to quality is legendary. Throughout the years, thousands of homeowners have come to count on Interstate because of our commitment to assisting individuals and families achieve their dream of owning or keeping their family home.
  • East Coast Capital Corp
  • 25 Melville Park Road, Melville, NY, 11747
  • East Coast Capital was founded in 1999 by Seth Fass who still remains the leader of the organization to this day.The company continues to grow at a staggering rate by only hiring the most qualified professionals & educating them on a culture that has persevered to this day. Trust coupled with expertise allows our firm to stay ahead of the industry.
  • Affordable Financial Services Ltd.
  • One Huntington Quadrangle, Suite 1N09, North Tonawanda, NY, 11747
  • With our highly knowledgeable and professional Mortgage Consultants and Processing Department, we will get you the best loan to fit your needs. As an industry leader, Affordable Financial Services LTD takes pride in our vast knowledge of the mortgage industry and its products available to today’s borrower.
  • US Mortgage Corporation
  • 201 Old Country Rd, Suite 140, Melville, NY, 11747
  • Our company focuses on educating first time home buyers, saving people money through refinances, giving people the opportunity for a better life through reverse mortgages, and above all education and transparency. We were founded by Steven A. Milner over 2 decades ago, and have been committed to “Helping You Make It Home®” since. Founded in 1994
  • Reliant Home Funding, Inc
  • 445 Broad Hollow Rd, Suite 334, Great Neck, NY, 11747
  • Reliant Home Funding is a tried and true mortgage lender serving clients nationwide. We understand that owning a home is a big deal – and you deserve the right home loan for the job. That’s exactly what we’re committed to providing and We are uniquely positioned on the wholesale mortgage market to provide our clients.