USDA Vs. FHA your options comparison in Guilford, Chenango County, NY

In 2025, USDA loan limit in Guilford, county of Chenango, 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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2025 loan limits and downpayment requirments in Guilford, county of Chenango, 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 Guilford, 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.

Lendersa USDA loan request and matching results

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.

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



  • RED OAK MORTGAGE INC
  • 54 Hudson Street, Suite 101, Freehold, NJ, 07728
  • Red Oak Mortgage has built a strong reputation as an outstanding mortgage lender, serving the lending needs of real estate professionals, builders and individual homeowners throughout the state of New Jersey, North Carolina, and South Carolina since 2005. Due to our high level of technology, streamlined process, speedy turn-times
  • Patriot Mortgage LLC
  • 77 W Main St., Freehold, NJ, 07728
  • Patriot Mortgage is committed to offering only the highest quality professional service to our mortgage clients, realtors and associates. We have built a reputation of offering honest, ethical and thorough service. We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals,
  • Navesink River Capital
  • 83 South Street, Suite 101, Freehold, NJ, 07728
  • Navesink River Capital, LLC has been a guiding force within the private lending market, with over a billion dollars funded and 1,500 plus properties financed. Their unsurpassed knowledge of the real estate climate and simplified, streamline loan process has allowed them to remain at the forefront, offering lightning loans from $75,000 to $2 million
  • LUSO FEDERAL CREDIT UNION
  • 599 East St, Ludlow, MA, 01056
  • LUSO Federal Credit Union, is a member owned, not-for-profit financial cooperative, providing many services to you. We have checking accounts, savings accounts, mortgages, auto loans, refinancing and more with two Western MA branch locations in Ludlow and Wilbraham. We are dedicated to providing access to affordable credit and banking services
  • Leading Edge Investments Group
  • 230 East Main Street, Unit 11, Branford, CT, 06405
  • Judith Acampora founded Leading Edge Investment Group, LLC in 2013 and provides financial coordination of financial affairs and oversees all compliance in underwriting. Leading Edge Investment Group is a commercial brokerage offering short term and long term financing on various Real Estate property types.
  • Trademark Financial Group, LLC
  • 730 Main St, Branford, CT, 06405
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  • East Shore Mortgage
  • 707 Main Street, Branford, CT, 06405
  • East Shore Mortgage has tried to provide accurate and timely information; however, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. East Shore Mortgage may change the products, services
  • Sachem Lending
  • 698 Main Street, Branford, CT, 06405
  • Sachem Capital, we are a Connecticut-based real estate finance company that specializes in originating, servicing and managing a portfolio of first mortgage loans. We offer short-term secured, non-banking loans to real estate investors to fund their rehabilitation, development or improvement of residential or commercial properties.
  • Pro Mac Real Estate and Lender Services
  • 76 Center Street, Waterbury, CT, 06072
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  • South Shore Mortgage
  • 325 E. Sunrise Hwy, Lindenhurst, NY, 11757
  • The South Shore Mortgage Team is your premier mortgage team located in Lindenhurst, New York. South Shore Mortgage offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Lindenhurst area.Established in 1987.
  • eclending
  • 360 Motor Parkway, Hauppauge, NY, 11788
  • Empower Your Future with EC LENDING **Your Trusted Financial Partner** At EC LENDING, we prioritize your financial aspirations. Our dedicated team offers tailored lending solutions, guiding you every step of the way. We aim to simplify the borrowing process, ensuring seamless transactions and peace of mind. Choose EC LENDING, where your finan
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  • 125 Wireless Boulevard, Hauppauge, NY, 11788
  • Founded in 1940 as the Pan American World Airways Credit Union, PAFCU currently serves 40, 000 employees of over 400 different companies throughout the United States. At PAFCU, there are no customers—everyone is a member and owner of the credit union and receives friendly, respectful service from the staff