USDA Vs. FHA Pro and Con comparison in Galen, Wayne County, NY
Within Galen in the county of Wayne, NY, the USDA loan limit for 2026 is set at $336,500. Meanwhile, the FHA limit for a single-family home in the same year is $472,030.
Take advantage of the Lendersa® USDA loan calculator to evaluate and compare the top USDA and FHA rates available today. By assessing the necessary income, credit, reserves, and documentation for qualification, our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, guiding you in choosing the program in that best suits your financial situation.
Loan Limits and Down Payment Requirements for 2026 in Galen, County of Wayne, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loans in Galen, NY
The mission of Lendersa® is to efficiently secure the most suitable USDA or FHA loan for you without unnecessary complexity. Begin your journey by choosing one of three initial options that connect you with matched lenders and USDA loan programs.
The USDA home loan is a government-backed mortgage by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, and is exclusively available for rural neighborhoods. Unlike FHA loans which require a minimum down payment of 3.5%, USDA loans require no down payment.
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