USDA VS FHA in Manheim, Herkimer County, NY

For 2025, the USDA loan limit in Manheim, within the county of Herkimer, NY, is set at $336,500. In comparison, the FHA loan limit for a single-family home is recorded at $472,030.

Utilize the Lendersa® USDA loan calculator to compare top USDA and FHA rates today, discerning the necessary income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, aiding in your decision for which program in is best for your financial scenario.

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Loan Limits and Downpayment Requirements for 2025 in Manheim, Herkimer County, NY

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

Exploring USDA and FHA Loan Options in Manheim, NY

The aim of Lendersa® is to secure the most competitive USDA or FHA loan for you rapidly and without hassles. Begin with one of three options that connect you with lenders and USDA loan programs that meet your requirements.

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Understanding the USDA Loan in NY

The USDA home loan, guaranteed by the Department of Agriculture and known as the USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA loan does not require any down payment.

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



  • TRUE HOME MORTGAGE
  • 1315 S Allen St, Suite 207, State College, PA, 16801
  • True Home Mortgage we are a full service mortgage company based in State College. We specialize in First Time Homebuyer Programs in State College. We also serve the surrounding cities such as Bellefonte, Centre Hall, Port Matilda, Philipsburg, Altoona, Tyrone, and Lewistown. Whether you are buying a home of refinancing
  • FIDELIS MORTGAGE CORPORATION
  • 1205 E King St, Lancaster, PA, 17602
  • Fidelis Mortgage Corporation's mission is to provide you with high quality mortgage and real estate programs that are tailored to fit your unique situation at some of the most competitive rates in the nation. Fidelis is a family owned business since 2007. We have been in the mortgage industry for over 10 years and we are proud
  • Fort Billings Federal Credit Union
  • 962 Billingsport Road, Gibbstown, NJ, 08027
  • The Mission of the Fort Billings Federal Credit Union is to provide our members and surrounding communities with friendly, innovative banking services. We make the lives of our members better every day, through personal banking alternatives, enhanced financial services, lower fees, personal services, and innovation.
  • Arize Federal Credit Union
  • 650 Science Park Rd, State College, PA, 16803
  • Arize is dedicated to providing products and services for the financial well-being of members and committed to extending the credit union advantage to individuals, businesses, and organizations in Central PA. Arize is a not-for-profit voluntary financial cooperative located in State College, PA.
  • All in Mortgage Inc
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  • All In Mortgage utilizes its industry-leading A.I.M method for delivering speed, accuracy, and quality to its customers for their loans and purchasing a home or refinancing your existing mortgage loan, we have the products for you! As a mortgage broker, All In Mortgage leverages our relationships with wholesale lenders to find the products.
  • Atlantic Community Bankers Bank
  • 1400 Market Street, Camp Hill, PA, 17011
  • Founded in 1983, ACBB is governed by community financial institutions. We exist to serve them by advocating for our industry, providing services to drive efficiency and profitability, and extending institutions’ internal resources with those of a trusted partner and also ACBB is ideally positioned to support clients through a broad.
  • Susquehanna Valley Federal Credit Union
  • 3850 Hartzdale Drive, Camp Hill, PA, 17011
  • "At SVFCU, we are Empowering our Community for Life’s Journey by Building Lifelong Partnerships to find Dynamic Solutions while being Personal, Knowledgeable, and Dedicated to Service! Our mission is to provide quality financial services for our membership at competitive prices while at the same time working to ensure the safety
  • First Area Federal Credit Union
  • 23 South Dorcas Street, Lewistown, PA, 17044
  • The First Area Federal Credit Union is a unique financial institution. We are member owned and not-for-profit. Unlike banks that are strictly profit-driven, we return excess earnings to our members by providing better personal service, lower interest rates for loans, higher yields on savings accounts, new products and services.
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  • Falcon Mortgage, Inc.
  • 2830 Sunset Drive, Camp Hill, PA, 17011
  • Falcon Mortgage, Inc. was established with the mission of creating extraordinary mortgage solutions for the citizens of PA. That mission continues to be a driving force through today. Falcon Mortgage has always sought out the nation’s most creative & responsible lenders.This enables us to be one of the nation’s most respected mortgage brokers.