USDA Vs. FHA your options comparison in Marion, Wayne County, NY

In 2026, the USDA loan limit for a single-family home in Marion, county of Wayne, NY, is $336,500, whereas the FHA limit is $472,030.

Utilize the Lendersa® USDA loan calculator to contrast the best USDA versus FHA rates available today. Determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans to help identify the best option for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Marion, Wayne, NY

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

USDA and FHA Loan Opportunities in Marion, NY

Lendersa® is committed to securing you the best USDA or FHA loans quickly and without hassle. Choose one of three starting points that connect you with matching lenders and USDA loan programs.

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What Is a USDA Loan in NY?

A USDA home loan, backed by the Department of Agriculture—commonly referred to as a USDA rural development loan or mortgage—is exclusively available in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require no down payment at all.

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



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