USDA and FHA Pro and Con in Hannibal, Oswego County, NY
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.
Sunmark Credit Union is a full-service, community chartered credit union serving New York through financial services, education and empowerment. Since 1937, Sunmark Credit Union has been helping members in New York improve their financial position by offering a full range of products, from mortgage and retirement options to savings and checking.
Maple Tree Funding is a New York State Registered Mortgage Broker. Established in 2003, we have been providing excellent mortgage programs for both home purchases and home refinancing to home buyers throughout New York State for more than a decade.We are a locally owned & operated company based in Latham, New York with a branch office in Queensbury
Low rate mortgage refinancing, FHA loan rates, fixed mortgage refinance, low equity loans, refinance mortgages, second mortgage rates, home equity loan and new home financing provided by Freedom One Funding. Freedom One Funding, Inc. – Registered Mortgage Broker – NYS Dept. of Financial Service. Loans arranged through third party providers.
Northeast Funding is a Licensed Mortgage Broker in both New York and Connecticut. As a broker we do the hard part for you. We shop out the interest rate between several local, regional, and national banks to find which one is the for you. We make the process as simple as we can for you.
Highway Federal Credit Union. Although our services are similar to a bank, our philosophy is quite different. As a member-owned, non-profit financial institution, our credit union is run strictly for the benefit of our members. We strive to provide members with higher yields on savings and lower rates on loans.
CityMark FCU We were originally founded to serve the employees and family members of Wilkes-Barre City. Over the years, we have included Plains Township and Wilkes-Barre Township employees and their family members. In 2016, we were granted a community charter that allows us to serve anyone who lives, works, worships.
Parks Heritage Federal Credit Union is proud to be a part of the rich history of the Glens Falls region. We celebrate our heritage every day in the form of our name.
Originally founded in 1965, Parks Heritage Federal Credit Union is the chosen financial institution for medical service related professionals that care for our communities.
Cooper’s Cave Federal Credit Union, created by Finch Pruyn employees and chartered in 1958, remains a not-for-profit institution owned by you, our member. Cooper’s Cave FCU presently serves some 2, 450 members, with approximately $20 million in assets.
Membership in this credit union is open to residents of Warren County,
