FHA Vs. USDA loan program for Granby, Oswego County, New York

In 2025, USDA loan limit in Granby, county of Oswego, NY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Granby, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(315) 797-3575 59 miles Lender's profile and map Reviews Special Metals Federal Credit Union 4340 Middle Settlement Road, New Hartford, NY, 13413 Special Metals Federal Credit Union, located at 4340 Middle Settlement Rd, New Hartford, N.Y, is proud to be in its 51st year of serving its membership! Chartered in 1961, our asset size has grown to $13 million over the years. We serve almost 1200 members, including employees of Special Metals, retirees, and family members of employees.
(315) 724-1654 59 miles Lender's profile and map Reviews GPO Federal Credit Union 4311 Middle Settlement Road, New Hartford, NY, 13413 GPO Federal Credit Union is proud to be one of the area’s largest credit unions, serving more than 30, 000 members from Oneida, Herkimer, Madison Counties and beyond. As a credit union, we are a not-for-profit, member-owned financial cooperative. At GPO, our mission statement is simple, ‘Our Focus is You’. We aim to serve our members.
(315) 735-8571 59 miles Lender's profile and map Reviews First Source Federal Credit Union 4451 Commercial Drive, New Hartford, NY, 13413 First Source Federal Credit Union is dedicated to helping people Live Smarter, offering financial services and education to improve the quality of life of their Members and the communities they serve. Founded in 1938, First Source is a not-for-profit, Member-owned financial cooperative with branches in New Hartford, North Utica, South Utica, Rome,
(607) 844-8141 59 miles Lender's profile and map Reviews The First National Bank of Dryden 7 West Main Street, Dryden, NY, 13053 The First National Bank of Dryden has been involved in our local community for over a century. We keep the business local and we keep the customer service local. The person answering our phone will never be automated.Over time, we've expanded into the Cortland area and most recently the historic district of Homer
(585) 325-1760 60 miles Lender's profile and map Reviews Moneyline New York LLC 502 Audubon Trail, Rochester, NY, 14622 Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(585) 454-4580 60 miles Lender's profile and map Reviews WIT Federal Credit Union 22 4th Street, Rochester, NY, 14609 Since our founding in 1962 we have been there for our members through every stage of their lives. Whether starting out with a credit builder loan, student loan, first car… or if moving on to that new car, a Recreational Vehicle for fun, or a home mortgage, WIT has been and will be, here for you.
(585) 546-4279 60 miles Lender's profile and map Reviews Rochester & Monroe County Employees Federal Credit Union 460 N Goodman Street, Rochester, NY, 14609 Get the most out of your membership with Rochester & Monroe County Federal Credit Union. With a full range of financial products and services, our goal is to help make banking easy for our members so they can meet their goals. Members are eligible for a range of services to make banking, investing, and lending easier than ever.
(315) 272-2500 60 miles Lender's profile and map Reviews Adirondack Bank 185 Genesee Street, Utica, NY, 13501 Adirondack Bank, we value putting a face to a name. That’s why for over a century we’ve personally dedicated ourselves to delivering trusted, full-service community banking to the families and businesses of Upstate New York. Adirondack Bank consistently provides cutting edge banking, standing as an eight-time recipient of the Small Business Lender
(315) 493-3480 61 miles Lender's profile and map Reviews Carthage Federal Savings and Loan 313 State St, Carthage, NY, 13619 Carthage Savings is a customer owned "Mutual" association. We answer to our customers, not stockholders. We are here to serve our customers with no conflicting profitability pressures. A "Mutual" is similar to a Credit Union with the exception that we pay income taxes. Carthage Savings was founded in 1888
(585) 624-7474 61 miles Lender's profile and map Reviews Pittsford Federal Credit Union 20 Tobey Village Road, Pittsford, NY, 14534 Pittsford Federal Credit Union has now served members for 48 years, providing financial information resources, competitive products, and outstanding service. The Credit Union continues to grow and is currently among the largest five credit unions in the Greater Rochester area. In December, we reached $380 Million in assets.