USDA Vs. FHA Pro and Con comparison in Mexico, Oswego County, NY

In 2025, the USDA loan limit for Mexico in Oswego County, NY, is $336,500. In comparison, the FHA limit for a single-family home is $472,030.

Utilize Lendersa®'s USDA loan calculator to contrast current USDA and FHA rates, and ascertain the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, guiding you to decide which is best for your financial situation in .

Compare loan offers from 100 lenders

2025 Loan Limits and Down Payment Requirements in Mexico, Oswego County, 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 Options in Mexico, NY

The objective of Lendersa® is to connect you promptly with the ideal USDA or FHA loan, without hassle. Begin with one of three starting points to find lenders and USDA loan programs that suit your needs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

The USDA home loan, backed by the Department of Agriculture, is also called the USDA rural development loan or mortgage, and is only available in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans require no down payment.

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



  • Daisy Huang, Loan Officer
  • 19925 Stevens Creek Blvd, Suite 100, Cupertino, CA, 95014
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Pacific Lynx Mortgage
  • 20111 Stevens Creek Blvd, Suite 245, Cupertino, CA, 95014
  • Our priority is to provide our customers with unparalleled service through our team of mortgage professionals. We will help you explore the right financing options for your needs matched with competitive pricing. We understand these are important decisions and we are committed to making the process seamless and expeditious for you.
  • Left & Right Consulting Inc
  • 20111 Stevens Creek Blvd, Suite 215, Cupertino, CA, 95014
  • As a mortgage broker, we shop the best banks and wholesale lenders in the nation to help you find the right loan fitting your needs and at the lowest interest rates available.We pride ourselves as professional consultants in giving you the information and advice you need to choose the best loan for you
  • SV Commercial Lending -Marty Lefton Strategic Commercial Mortgage Broker/Owner
  • 10873 Northoak Square, Cupertino, CA, 95014
  • Marty Lefton is dedicated to creating and preserving wealth for clients by providing highly comprehensive and strategic financial lending solutions. He uses a holistic approach by first understanding as many of the pieces of a client’s situation as possible, and then looking at what makes the best financial sense for the client
  • Ocean Mortgage
  • 19620 Stevens Creek Blvd, Suite 280, Cupertino, CA, 95014
  • We can guide you to the right loan amount and best program for you. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from. We'll guide you through the process and make it worry-free to improve your interest rate and monthly payment.
  • Ascend Realty and Financial Corporation
  • 957 Vernie Ct, Cupertino, CA, 95014
  • Ascend has had ONE focus in mind - our clients. We live and breathe in Silicon Valley and our team members are often former engineers themselves, so we understand and resonate with our clients and know what matters the most. From commute route, school, up size/down size at different stages for housing, to rate, term.
  • Associated Home Loans
  • 4835 Soquel Dr, Soquel, CA, 95073
  • Trish Ward, founder of Associated Home Loans and based in Soquel, CA has almost 30 years of experience in the real estate industry. Trish has become Santa Cruz County's "go to" mortgage broker with a reputation for tenaciously protecting her client's interests above all else. Trish's uncompromising integrity is the hallmark of her service.
  • The Home Loan Center
  • 740 Paradiso Court, Soquel, CA, 95073
  • "I'm here to solve that for you. Go ahead and download my cheat sheet and I'll give you the inside scoop to make qualifying for a great low rate mortgage EASY. Yes, I really did say easy. When you're ready, the next step in getting a low rate mortgage made easy is to contact me so we can review your unique situation"
  • Monterey Bay Resources, Inc.
  • 4601 West Walnut Street, Soquel, CA, 95073
  • Monterey Bay Resources, Inc. is a Santa Cruz based real estate company that provides niche lending solutions for property owners and prospective buyers seeking access to private funds quickly and at competitive rates.We can provide financing for both investment property and owner-occupied properties, upon qualification.
  • Best Collateral
  • 285 Bel Marin Keys Blvd, Novato, CA, 94949
  • We’ve reinvented the pawnbroker experience. Our customers love shopping at our pawn shops, because we’ve created the look and feel of a retail store, while offering merchandise at wholesale prices. Visit our online pawn shop merchandise website to browse our entire inventory and pleasant and secure locations in Northern California, Best Collateral