In 2026, the USDA loan limit for Geddes, located in the county of Onondaga, NY, is set at $336,500, whereas the FHA limit for a single-family house is $472,030.
Leverage the Lendersa® USDA loan calculator to contrast current USDA versus FHA rates and determine the income, credit, reserves, and documentation prerequisites for qualification. With our sophisticated mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the most suitable program for your financial needs in .
2026 Loan Limits and Downpayment Requirements in Geddes, Onondaga County, NY
Type of Loan
Maximum Limit
Down Payment Required
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Choosing USDA and FHA Loan Options in Geddes, NY
The mission of Lendersa® is to efficiently connect you with the most optimal USDA or FHA loan, minimizing complications. Choose one of three starting points that link to lenders and the available USDA programs.
The USDA home loan, supported by the Department of Agriculture, also known as the USDA rural development loan, is available solely in rural locales. Unlike FHA loans which require at least a 3.5% down payment, USDA loans demand no down payment.
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