USDA Vs. FHA Pro and Con comparison in Mattydale, Onondaga County, NY

In 2025, the USDA loan limit for Mattydale, situated in Onondaga county, NY, is set at $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Use the Lendersa® USDA loan calculator to assess today's top USDA vs. FHA rates and determine the necessary income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, which aids in selecting the best program in that suits your financial needs.

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2025 Loan Limits and Downpayment Requirements in Mattydale, 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 Choices in Mattydale, NY

Lendersa® is committed to providing the best USDA or FHA loan options swiftly and effortlessly. You can choose one of three starting points to align with lenders and USDA loan programs.

Outcomes from Lendersa's USDA loan requests

Understanding USDA Loans in NY

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans do not require any down payment, offering a distinct advantage.

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



  • Hiawatha National Bank
  • 220 East Oak Street, Glenwood City, WI, 54013
  • Hiawatha National Bank Operator of a regional bank in Wisconsin, United States. The company offers services like personal and business banking services, loan products that include personal loans, mortgages, lines of credit, certificates of deposits along with several other banking services like telebanking and safe depositories.
  • The Watkins Savings Bank
  • 202 First Street, Watkins, IA, 52354
  • The Watkins Savings Bank was chartered in 1892, and remains a locally owned and independent bank. Over the years The Watkins Savings Bank has continued to grow. The original bank was located just across the street from our current building. In 1977 The Watkins Savings Bank moved to 202 First Street , Watkins , Iowa .
  • Division #6 Highway Credit Union
  • 14392 S Outer Forty Road, Chesterfield, MO, 63017
  • Division #6 Highway Credit Union has been in business since 1953 serving MoDot and Missouri State Highway Patrol employees and their families. Anyone employed by the Missouri Department of Transportation in District Six, or employed by the Missouri State Highway Patrol, Troop C, is eligible to become a member
  • CapGrow Home Mortgage, LLC
  • 16141 Swingley Ridge Rd, Suite 107, Chesterfield, MO, 63017
  • CapGrow Home Mortgage is a full service mortgage banking company. They locally handle all aspects of mortgage originations including in-house processing, underwriting, closing, and funding. The added ability to shop the mortgage wholesale market to secure the best pricing options for clients is what separates CapGrow from its banking peers.
  • Access Capital Funding, LLC
  • 14366 S Outer 40, Chesterfield, MO, 63017
  • Access Capital Funding, LLC has been providing St. Louis home loans for more than 20 years. We specialize in FHA loans, VA loans, USDA loans and Conventional home loans. Thousands of First Time Homebuyers have used our services. Our No Cost Refinance is a Missouri and Illinois home loan favorite, saving our clients thousands in closing cost.
  • Georgia Guard Credit Union
  • 1030 Shurling Dr, Macon, GA, 31211
  • Georgia Guard Credit Union now offers 24-hour access to your account information from home. Online Account Access is a secure site in which you as member’s are able to: Check Account Balance Inquire on Account History Transfer Funds Between Accounts Order Checks and View New Styles Change Your Personal Access Password And much more
  • Home Loan Pros, Inc
  • 2011 Commerce Drive N F, Suite 113, Peachtree City, GA, 30269
  • Lead by our president Les Pruitt, we have assisted hundreds of individuals and families get the home of their dreams without putting them in tough spot financially.When you work with one of trusted loan officers you will always have the ability to customize your loan to fit your mortgage needs.
  • Missouri Valley Federal Credit Union
  • 7900 Mexico Road, Saint Peters, MO, 63376
  • Established in 1975, Missouri Valley FCU is a member-owned, community financial institution dedicated to providing quality service and value to Saint Charles County As a credit union, MOVFCU is member owned and member focused. We are here to help you with your financial needs, whatever those might be.
  • Home Loans With Integrity LLC
  • 3895 Mid Rivers Mall Drive, Cottleville, MO, 63376
  • We give our clients the personal attention they deserve, helping them find the right mortgage product to fit their individual needs. We stand behind each loan transaction. We take the time to educate our clients about the loan process and we stay beside them every step of the way, from pre-approval through closing.
  • Hometown Equity Mortgage
  • 1 Mid Rivers mall Drive, Suite 130, Saint Peters, MO, 63376
  • Hometown Equity Mortgage was established with the mission to provide the highest level of customer service while providing great service to our customers. We achieve this mission by having experienced loan officers, processors, and on-staff underwriters who work as a team to make the loan process straightforward for all home-buyers.
  • First Bank of Coastal Georgia
  • 250 West Bacon Street, Pembroke, GA, 31321
  • First Bank of Coastal Georgia is a full-service bank. The Bank provides savings account, debit and credit cards, loans, insurance, mobile banking, and other related products and services. First Bank of Coastal Georgia serves customers in the United States. We’re here to help with everything from opening new accounts to training you.
  • Bank of Missouri
  • 916 N Kingshighway, Perryville, MO, 63775
  • The Bank of Missouri is reaching new heights of service and customer care. Our rich history, reaching back over 12 decades, is our source of motivation. As we look back with pride, we look forward with excitement as our continued growth enables us to meet the ever changing needs of the communities we serve.