USDA and FHA Pro and Con in Galeville, Onondaga County, NY

In 2025, the USDA loan limit for a single-family home in Galeville, located in Onondaga, NY, is $336,500, whereas the FHA limit is $472,030.

Use the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. Determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, helping you choose the best financial program in for your needs.

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2025 Loan Limits & Down Payment Requirements in Galeville, Onondaga, 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 Galeville, NY

The aim of Lendersa® is to connect you swiftly with the best USDA or FHA loans, free of hassle. Choose from three options to match with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Explaining USDA Loans in NY

The USDA home loan, backed by the Department of Agriculture and known as a USDA rural development loan or mortgage, is limited to rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require none at all.

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



  • United Financial Insurance Group, LLC.
  • 2061 W. La Plume Rd, La Plume, PA, 18440
  • United Financial Insurance Group, LLC. is a national real estate capital services company and an originator of commercial real estate debt and equity transactions. We combine in-depth market expertise, passion for our work, and a willingness to break new ground to provide our clients with the ultimate customer experience.
  • P&G Mehoopany Employees Federal Credit Union
  • 15 Lane Hill Road, Tunkhannock, PA, 18657
  • P&G Mehoopany Employees Federal Credit Union is a not-for-profit cooperative financial institution that is owned and controlled by the members. The Credit Union is not-for-profit, not for charity but for service. The Credit Union provides many of the same products and services as other financial institutions.
  • Carson Consumer Discount Co
  • 70 Main St, Wellsboro, PA, 16901
  • Carson Consumer Discount Co Inc is located in Wellsboro, PA, United States and is part of the Nondepository Credit Intermediation Industry. Carson Consumer Discount Co Inc has 3 total employees across all of its locations and generates $381, 490 in sales (USD). (Sales figure is modelled). There are 2 companies in the Carson Consumer Discount.
  • Citizens & Northern Bank
  • PO Box 58, Wellsboro, PA, 16901
  • 97% of Citizens & Northern Bank customers say they would recommend us to their family and friends. As Your Bank for a Lifetime, it's our mission to create value through lifelong relationships with our neighbors in Pennsylvania and New York. We believe managing your finances should be a fulfilling, trouble-free experience.
  • First National Bank of Scotia
  • 201 Mohawk Avenue, Scotia, NY, 12302
  • At 1st National Bank of Scotia, we rely on our decades of experience both inside and outside the banking industry to help provide our loyal customers with the products and services to fit their needs. Our Board of Directors truly care about providing for our customers and our communities today, tomorrow, and well into the future.
  • Alco Federal Credit Union
  • 2859 Lindy Lane, Wellsville, NY, 14895
  • The Alco Federal CU is a local financial institution, existing to provide personal financial services to its members. Like all credit unions, management is by a Board of Directors made up of persons democratically elected from its membership, by the membership. Membership is available to all persons who live, work, worship or attend school.
  • Wayne Bank
  • 717 Main Street, Honesdale, PA, 18431
  • Founded in 1871 in Honesdale, PA, Wayne Bank has 26 community offices serving Northeast Pennsylvania, along with Delaware and Sullivan Counties in New York State. Wayne Bank also operates offices as Bank of the Finger Lakes and Bank of Cooperstown in Ontario, Seneca, Yates, and Otsego Counties in New York State.
  • The Dime Bank
  • 820 Church Street, Honesdale, PA, 18431
  • At The Dime Bank, we believe in relationships. With offices in Honesdale, Hawley (downtown and the lake region), Damascus, Greentown, Dingmans Ferry, and Carbondale, we strive to be our communities’ total financial partner. We have been helping generations of customers in Northeastern Pennsylvania realize their goals and dreams by meeting their fin
  • Honesdale National Bank
  • 724 Main Street, Honesdale, PA, 18431
  • Founded in 1836, The Honesdale National Bank is the oldest, locally-owned, community bank headquartered in Northeastern PA with offices in Wayne, Pike, Susquehanna, Lackawanna, & Luzerne counties. Visit www.hnbbank.bank/about/convenient-locations/ for locations & hours. HNB offers full-service personal & business banking and safe deposit boxes.
  • St. Lawrence Federal Credit Union
  • 800 Commerce Park Drive, Ogdensburg, NY, 13669
  • Our mission is to be a trusted provider of financial services while building lasting relationships with our members, employees, and community.Since our beginning in 1954 as the St. Lawrence State Hospital Employees Federal Credit Union, we have focused on making a positive impact on people’s lives.We are committed to honesty