USDA Vs. FHA Pro and Con comparison in Marcy, Oneida County, NY
In the year 2026, the USDA loan limit for Marcy in Oneida county, NY,
is $336,500. Meanwhile, the FHA limit for a single-family home
is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s leading USDA versus FHA rates.
Discover the income, credit, reserves, and documentation needed for qualification.
Our specialized mortgage calculator compares USDA, FHA, Conforming, and VA loans side by side,
to help you identify the best program in for your specific financial needs.
Loan Limits and Downpayment Requirements for 2026 in Marcy, Oneida, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Marcy, NY
The aim of Lendersa® is to quickly secure the best USDA or FHA loan for you, without hassle.
Start with one of our three pathways to connect with matching lenders and identify USDA loan programs.
A USDA home loan is secured by the government's Department of Agriculture, also known as a
USDA rural development loan or USDA mortgage, and is typically available only in rural neighborhoods.
Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages do not require any down payment,
making them a unique option for eligible borrowers.
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
Rome Teachers Federal Credit Union is a SEG based credit union that serves numerous school communities. SEG stands for Select Employee Groups. Schools and other related groups that are affiliated with the credit union are eligible for membership. We proudly serve Employees, Students and Retirees of Adirondack, Camden, Canastota, Holland Patent.
Rome Federal Credit Union is Rome’s Oldest Credit Union. We are excited to announce that the National Credit Union Administration has approved the Rome Federal Credit Union’s application for a Community Charter. That means that if you live, work, worship or attend school in the city of Rome, you can become a member!
