USDA Vs. FHA Pro and Con comparison in Macedon, Wayne County, NY

In 2025, 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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2025 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?



  • One Mortgage Group
  • 135 West 25th Avenue, Suite 6914, San Mateo, CA, 94403
  • We are here to serve our community and bring happiness and stability to those around us by helping people find a place to call home. We specialize in building trust and lasting relationships with our clients and finding them the best deal at the right time in the right place. Established in 1990.
  • Bay Area Mortgage Alliance
  • 3 37th Ave, Suite 21, San Mateo, CA, 94403
  • "Bay Area Realty Services is a full service Residential Real Estate Brokerage with offices in Palo Alto and San Mateo, serving mainly San Francisco, the Peninsula, the East Bay, and Silicon Valley/South Bay Our services include the Listing of all types of Residential properties (for Sale or for Lease),"
  • Bank of Marin
  • 504 Redwood Blvd, Suite 100, Novato, CA, 94947
  • Bank of Marin is a leading business and community bank in Northern California with assets of almost $4 billion. Bank of Marin provides commercial banking, personal banking, specialty lending and wealth management and trust services throughout its 31 branches and 8 commercial banking offices located across 10 counties.
  • West Cal Financial
  • 1775 Indian Valley Dr, Novato, CA, 94947
  • West Cal Financial Our team strives to provide our clients with the best possible experience. Our One-Stop-Shop approach strives to provide a customer experience that will help alleviate the stress and worry that can often be part of such a large financial transaction. With our specialized knowledge we hope to be able to provide our clients.
  • Community First Credit Union
  • 1539 S Novato Blvd, Novato, CA, 94947
  • Community First Credit Union was founded by seven LOCAL teachers who were denied home loans by banks (back in the day, teachers weren't paid in summer months, and bankers decided teachers weren't smart enough to save up for those months). Since that founding, our "field of Membership" was expanded to include anyone who was a resident of Lake
  • Megadyne, LLC
  • 240 Masonic Way, Suite 511, Belmont, CA, 94002
  • Our goal is to make available the most affordable loan programs to aid you in reaching your objectives. Regardless of your circumstances, our representatives will assist you throughout the process. Whether it is a Hard Money Loan, Purchase Loan, Refinance, Commercial Loan, Residential Loan
  • Ellison Lending
  • 635 Central Avenue, San Francisco, CA, 94117
  • Ellison Lending has over 20 years of experience serving the Bay Area and all over California with lending solutions that meet your specific situation. Our goal is to make your real estate transaction happen as efficiently as possible. We want to make lending a positive experience and build a lasting relationship.
  • Sequoia Mortgage Capital, Inc.
  • PO Box 2524, San Anselmo, CA, 94979
  • Sequoia Mortgage Capital is a certified Bay Area Green Business focused on funding loans that other lenders turn down. We operate from our headquarters building in downtown San Anselmo and specialize in short-term loans secured by California real estate. Real estate lending is our only business and we are committed to exceeding your expectations.
  • Reena Loans & Real Estate Corporation
  • 652 16th Avenue, San Francisco, CA, 94118
  • Over 25+years of experience in residential real estate sales, 15 years of experience in commercial real estate sales. 12+years of experience with mortgages and commercial loans. Twelve years of experience managing Reena Paleja's own firm. WE PROVIDE PROFESSIONAL SERVICES- Real Estate, Property Management, COMMERCIAL LOANS and MORTGAGE.
  • Cournale & Co.
  • 4630 Geary Blvd., San Francisco, CA, 94118
  • Established in 1945, Cournale & Co. is a third-generation owned and operated "Full Service"​ real estate company located in the Richmond District of San Francisco. We assist clients in the marketing and purchasing of residential and commercial properties. We also manage over 600 units - from the Marina to the Mission.