USDA Vs. FHA your options comparison in Marcellus, Onondaga County, NY

In 2026, the USDA loan limit in Marcellus, located within Onondaga county, NY, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize Lendersa® USDA loan calculator to contrast today's best USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs side by side, enabling you to choose the most suitable option for your financial situation in .

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2026 Loan Limits and Down Payment Requirements in Marcellus, Onondaga, 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 Marcellus, NY

Lendersa® aims to provide you with the best USDA or FHA loan quickly and hassle-free. Start by selecting one of three options that align you with lenders and USDA loan programs.

Results from Lendersa USDA loan applications

Understanding USDA Loans in NY

A USDA home loan, also known as the USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and available exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans stand out by requiring no down payment at all.

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



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