USDA and FHA Pro and Con in Macedon, Wayne County, NY

In 2026, the USDA loan limit for Macedon in Wayne county, NY, is established at $336,500. For single-family homes, the FHA limit is $472,030.

The Lendersa® USDA loan calculator helps you compare top USDA versus FHA rates available today. Determine the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best program for your financial situation in .

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2026 Loan Limits and Downpayment Requirements in Macedon, Wayne, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Explore USDA and FHA Loan Options in Macedon, NY

Lendersa® is committed to securing you the best USDA or FHA loan efficiently and with ease. Consider one of three starting points to connect with lenders and suitable USDA loan programs.

Lendersa results of USDA loan requests

Understanding USDA Loans in NY

A USDA home loan is guaranteed by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, designated for use in rural areas only. Unlike FHA loans which require at least a 3.5% down payment, USDA loans are typically no-down-payment, offering significant benefits to eligible homebuyers.

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



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