USDA and FHA Pro and Con in Ilion, Herkimer County, NY
In 2026, within the county of Herkimer, NY, the USDA loan maximum for Ilion is set at $336,500, whereas the FHA loan limit for a standard single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to contrast today's leading USDA and FHA rates, identifying the income, credit score, reserves, and documentation needed for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA rates side-by-side, aiding in the selection of the best program for your precise financial needs in .
2026 Lending Limits & Down Payment Details in Ilion, Herkimer county, NY
Type of Loan
Cap Amount
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Loan Alternatives: USDA & FHA in Ilion, NY
The aim of Lendersa® is to efficiently guide you towards the most favorable USDA or FHA loan. Initiate with any of the three steps below, leading you to matching lenders and USDA loan alternatives.
A USDA home loan, also called a USDA rural development loan or USDA mortgage, is provided by the U.S. Department of Agriculture and is offered exclusively in rural areas. Conversely, while FHA loans necessitate a minimum down payment of 3.5%, USDA mortgages do not require any down payment.
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