USDA Vs. FHA your options comparison 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 .

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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.

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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?



  • Direct Mortgage, Corp
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  • Direct Mortgage, Corp. is a Mortgage Banking company that delivers loan programs and underwriting services at competitive rates to Community Banks, Credit Unions, Mortgage Bankers, and to Mortgage Brokers nationwide.DMC's competitive niche is being small and attentive. It also provides blazing turn times, utilizing.
  • Veritas Funding
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  • Veritas founding iSince 2004 day one, we’ve strived toward a culture of transparency, support, and dependability. Our team of highly skilled professionals have committed to providing superior mortgage solutions, communicating openly and honestly, and continuously improving their knowledge and skillset to offer the best service they can
  • United First Mortgage
  • 7351 Union Park Ave, Suite 225, Midvale, UT, 84047
  • United First Mortgage. We are a full-service mortgage company based in Salt Lake City, Utah. We specialize in FHA, Conventional, VA, and Rural Housing home loans in Salt Lake City as well as all counties in the state. We also serve the surrounding cities in Salt Lake County. Whether you are buying a home or refinancing.
  • Bob Kirkman Mortgage Lender
  • 1448 N 2000 W, Suite 2, Clinton, UT, 84015
  • Bob Kirkman believes that excellent service and a reputation for honesty, integrity and reliability are just as important as interest rates and closing costs. Bob’s team is committed to providing our Utah Mortgage clients with the highest quality Utah Home Loans combined with the lowest Utah Mortgage Rates available.
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  • Econ Mortgage prides itself on offering low rates, and costs, right out the gate! Compare us with your “guy/gal” and see why even loan officers do their financing through Econ Mortgage! We are a well-established company serving in Salt Lake City. As your premier Utah mortgage broker, we focus on providing you with the lowest rates.
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  • 2334 S. 600 W, Syracuse, UT, 84075
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  • Mountain America Credit Union is a member-owned, full-service financial institution. Federally insured by NCUA. Equal Housing LenderCredit Union assists members on the right path to help them identify and more than 990, 000 members and $13 billion in assets, Mountain America Credit Union assists members on the right path to help them identify.
  • SecurityNational Mortgage Company
  • 5300 South 360 West, Salt Lake City, UT, 84123
  • SecurityNational Mortgage Company was established in 1993. Dedicated to servicing residential mortgage loans, SNMC currently operates hundreds of professional branch offices across the United States with nearly one thousand loan professionals nationwide. SecurityNational Mortgage Company headquarters is located in Salt Lake City, Utah.
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  • 1st Choice Money Center was founded to provide fast, easy and responsible loans to help you and your family through those times when a little extra cash makes all the difference. We understand that life throws us curveballs when we least expect it, so at 1st Choice we offer a wide range of loan products to give you relief when you need it most.
  • Nationwide Reverse Mortgages
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  • We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. Nationwide Reverse Mortgages, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!