USDA and FHA Pro and Con in Gaines, Orleans County, NY

In 2025, USDA loan limit in Gaines, county of Orleans, NY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Gaines, county of Orleans, NY

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Gaines, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • The Bank N.A.
  • PO Box 1067, McAlester, OK, 74502
  • At The Bank N.A., we offer a full range of credit options. Whether you are making a major purchase - like a house, car, boat, or even a herd of cattle - we have a loan that fits your needs. Or, maybe you’re starting the business of your dreams or simply want to spruce up the one you have, well, we have loans for that too
  • Bank of Hazelton
  • 363 Main Street, Hazelton, ND, 58544
  • Bank Of Hazelton is a branch office of Bank Of Hazelton. They provide the following services: Full Service Office Location and are located at 363 Main St in Hazelton North Dakota. Mobile and traditional directions to this location can be found below along with ratings, lobby hours, their phone number,
  • First National Bank & Trust Company of McAlester
  • 235 E. Choctaw, McAlester, OK, 74501
  • First National Bank & Trust Co., of McAlester, OK, was established in 1896 and has consistently met the financial needs of the citizens of McAlester, Pittsburg County. At FNB, we offer a wide variety of loans, deposit and financial services in order to meet the needs of consumers, small businesses, agricultural, retail and commercial customers.
  • First Bank Sterling, KS
  • 128 South Broadway Avenue, Sterling, KS, 67579
  • While our name - First Bank - may be relatively new, our roots run deep in Sterling and Rice County. Originally known as Farmers State Bank, the bank opened for business in Sterling on March 24, 1907 with Frank W. Ross as president. The previous November the bank was incorporated by a group of farsighted community business, farmers.
  • WatersEdge Mortgage
  • 7873 3rd Ave S Sain, Saint Petersburg, FL, 33707
  • WatersEdgeMortgage, LLC is a broker located at 7873 3rd Ave S, St. Petersburg, FL 33707. We are a privately owned mortgage company doing business only in Florida. NMLS No. 948963 WatersEdge Mortgage, LLC has become known as providing among the lowest rates and costs in the industry and Florida’s most trusted mortgage broker.
  • Interim Capital Mortgage, LLC
  • 1135 Pasadena Ave. S, Suite 101, Saint Petersburg, FL, 33707
  • Interim Capital Mortgage, LLC. is a Florida licensed Mortgage Broker Business specializing in residential loans. We have the knowledge and experience to be trusted with the financing for the most important asset you will ever own, your home. Our company has superior relationships with the top Wholesale lenders in the country,
  • Moneyline Mortgage Inc
  • 8028 12th Avenue South, Saint Petersburg, FL, 33707
  • Moneyline Mortgage Inc can help you achieve your goals. To set up the right St Petersburg, FL Mortgage plan for you, get in touch with us -- we're happy to help. Our mission is to provide a stress free experience in acheiving your dream to own a home or refinance your current home at the best rate available.
  • Resource Bank (Louisiana)
  • 70533 Highway 21, Covington, LA, 70433
  • Headquartered in Covington, Louisiana, Resource Bank serves the community through ten branch locations within St. Tammany, Washington, Jefferson, Orleans Parishes and East Baton Rouge Parishes. Established in 1998, the institution is owned and operated by over 450 local shareholders and has created near 160 local jobs.
  • Heritage Bank of St Tammany
  • 205 North Columbia Street, Covington, LA, 70433
  • Established in 1924, we not only help our neighbors achieve their financial goals, but it is an integral part of our mission to use our resources to enhance community life. We do this by investing in the events and organizations that make St. Tammany Parish home. We strive to make a tangible difference in our community.
  • CUSA Federal Credit Union
  • 50 Louis Prima Drive, Suite A, Covington, LA, 70433
  • Our credit union started as Gulf Employees-Harvey Federal Credit union on October 12, 1955. On January 1, 1975, our name was changed to Gulf Federal Credit Union. On August 28, 1985, we were re-named CUSA Federal Credit Union, as we are today. Later, two other credit unions joined CUSA Federal Credit Union, in 1989, Operators, Inc.
  • American Bank & Trust Company Covington
  • 1819 N. Columbia Street, Covington, LA, 70433
  • American Bank & Trust Company, Inc. was chartered by the State of Louisiana in 1964. This community bank serves the parishes of Red River, St Tammany, Tangipahoa, and Jefferson. American Bank prides itself as a good citizen in the communities it serves. Local businesses both large and small have grown with us over the years.
  • Northshore Mortgage Partners
  • 19500 Helenburg, Suite D, Covington, LA, 70433
  • Northshore Mortgage Partners is here to handle any of your mortgage lending needs. Our office is conveniently located to serve you in Covington, LA, and we are fully licensed to originate in both Louisiana & Mississippi. We are a true local Mortgage Lender with home loan products for every borrower.