In 2026, the USDA loan limit for a single-family home in Hannibal, located in Oswego, NY, is $336,500. In contrast, the FHA limit is $472,030.
Utilize Lendersa®'s USDA loan calculator to compare today's best USDA versus FHA rates. Determine the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program in tailored to your financial needs.
2026 Loan Limits and Down Payment Requirements in Hannibal, Oswego, 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 Hannibal, NY
The goal of Lendersa® is to efficiently connect you with the best USDA or FHA loan, minus the hassle. Choose from three different starting points, each designed to match you with suitable lenders and USDA programs.
The USDA home loan, officially guaranteed by the Department of Agriculture and also known as a USDA rural development loan, is offered exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment at all.
Fulton Savings Bank offers comprehensive banking services near Fulton, NY, including deposit accounts, such as checking accounts and savings accounts, as well as loans, such as personal loans, mortgage loans, home equity loans and more. For over 100 years, Fulton Savings Bank has been a trusted provider for competitive Fulton mortgage rates.
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Oswego Teachers' Employees FCU has been serving the employees of Oswego county school districts since 1961. We are not the biggest, but the best in meeting our members' saving and borrowing needs. Our low cost structure and philosophy provides you a better alternative to other larger financial institutions. Come talk to one of our 6 employees
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