USDA Vs. FHA your options comparison in Geneva, Ontario County, NY
For 2026, in Geneva, part of Ontario county, NY, the USDA loan ceiling stands at $285,000, whereas the FHA cap for a single-family home is set at $356,362.
Utilize the Lendersa® USDA loan calculator to evaluate the top USDA and FHA rates as of today and to ascertain the required income, credit, reserves, and documentation for eligibility. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, enabling you to choose the ideal program for your financial circumstances in .
2026 Loan Limits and Down Payment Requirements in Geneva, Ontario, NY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Opportunities in Geneva, NY
At Lendersa®, our aim is to provide you with the best USDA or FHA loan options swiftly and without hassle. Start with one of three pathways to connect with lenders and the USDA programs that suit you.
A USDA home loan, also recognized as a USDA rural development loan or mortgage, is guaranteed by the government's Department of Agriculture. Only available in rural areas, these loans require no down payment, as opposed to FHA loans, which call for at least a 3.5% down payment.
People You Know. Service You Trust. We are dedicated to providing you with loan and deposit products designed with your needs in mind. We're open to the community! If you live, work, worship, volunteer, or attend school in Ontario, Seneca, or Yates County, or if you are a member of an immediate family or household of those within the field of mem
Generations Bank was established in 1870 as Seneca Falls Savings Bank—a New York chartered mutual savings bank. In 2012, the bank’s name and the insurance agency’s name were changed to Generations Bank and Generations Agency respectively.
In January 2021, Generations Bank's holding company reorganized as a fully public stock holding company.
NetFunding Corporation's mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a home or refinancing a mortgage. So we make a commitment to you and will help you qualify, apply and be approved for the right mortgage loan for you.
Canandaigua FCU is a Credit Union that is a not-for-profit financial institution. Serving our members with financial products and services from savings to loans and everything in between. We have Mobile Banking, Home Banking and Bill Pay free to our members.Credit Union that is a not-for-profit financial institution.
CNB Mortgage Company we strive to make the mortgage process swift and simple - with local decision making and loan processing. Our experts will find a mortgage solution to fit your needs, offering portfolio mortgages, fixed rate mortgages, construction loans, home equities and Special Loan Programs.
Cayuga Lake National Bank is a full-service community bank headquartered in Union Springs, NY with a second office in Aurora, NY. We provide consumer and commercial banking and lending products to the Finger Lakes Region of Central New York and beyond. Cayuga Lake National Bank offers a full suite of consumer banking products.
Savannah Bank is pleased to announce that, in accordance with the latest CDC guidance, face coverings will be optional for our fully vaccinated customers and staff beginning on June 1, 2021. Masks for those who have not yet been vaccinated are still required, and social distancing guidelines are still in effect.
Auburn Community Federal Credit Union is owned by its members. Each member has equal standing in Auburn Community Federal Credit Union. This means that our credit union operates for and by our members. This eliminates the conflict of interest that’s present at big banks. Banks are owned by shareholders.
Reliant Credit Union is a member-owned and member-driven full-service financial institution with nine branches across Monroe, Ontario, & Wayne Counties in New York. We're committed to making a difference in the communities we serve by improving our members' financial lives and exemplifying the credit union philosophy of "people helping people
