In 2026, the USDA loan limit in Little-Falls, part of Herkimer, NY, is $285,000. The limit for FHA loans on a single-family home, however, is $356,362.
Use the Lendersa® USDA loan calculator to compare the best current rates of USDA versus FHA loans. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding you in selecting the most appropriate option for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Little-Falls, Herkimer, NY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Little-Falls, NY
The Lendersa® team aims to swiftly secure you the most suitable USDA or FHA loan, hassle-free. Start with one of three paths to connect with compatible lenders and USDA programs.
The USDA home loan program, backed by the U.S. Department of Agriculture—also called the USDA rural development loan or mortgage—is available only in rural areas. FHA loans require a minimum of 3.5% down payment, while USDA mortgages require none at all.
Remington Federal Credit Union has been open since 1937. The credit union has assets totaling $54.2 Million and provides banking services to more than 4, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
Bank of Utica is a full service commercial bank headquartered in Utica, NY. Bank of Utica offers a traditional line of products expected at a community bank, as well as some cutting edge services offered at larger banks. Bank of Utica was founded in 1927 and has been locally owned and operated since its inception.
Utica District Telephone Employees Federal Credit Union
2812 Genesee Street, Utica, NY, 13502
Lends in New York
Utica District Telephone Employees FCU provides a complete range of financial services to employees of Verizon, Spectrum and Northland Communications and their families. Utica District Telephone Employees Federal Credit Union, located at 2812 Genesee St, Utica, New York, provides a complete range of financial services to employees of Verizon.
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
4340 Middle Settlement Road, New Hartford, NY, 13413
Lends in New York
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.
4311 Middle Settlement Road, New Hartford, NY, 13413
Lends in New York
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.
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,
ACCESS Federal Credit Union was chartered in 1947 as the Oneida Limited Employees Federal Credit Union. It was open to employees and their families of Oneida Silversmiths. In June of 1999, we changed our name to ACCESS Federal Credit Union. In August 2000, the National Credit Union Administration (NCUA) approved our request
The Upstate Telco FCU, Charter #10746, was organized on March 20, 1956. There were 17 chartering members and the first Board of Directors, Credit, and Supervisory Committee members were elected at its first special meeting.
The Credit Union is a non-profit financial institution that is owned and operated entirely by its members.
