USDA Vs. FHA your options comparison in Moira, Franklin County, NY

In 2025, the USDA loan cap in Moira, located in Franklin, NY, is set at $336,500, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates and determine the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, USDA, FHA, Conforming, and VA loans can be compared side by side, helping you choose the ideal option for your situation in .

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Loan Limits and Down Payment Requirements in Moira, Franklin, NY for 2025

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 Moira, NY

Lendersa® aims to promptly offer the best USDA or FHA loans without hassle. Choose one of three approaches to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA mortgages do not require any down payment.

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



  • Aegis Realty, Inc. DBA Aegis Funding
  • 2100 Main Street, Suite 265, Huntington Beach, CA, 92648
  • Aegis Funding has been performing mortgage origination and mortgage banking transactions for over 12 years. We have developed a system, based on experience, to not only thoroughly underwrite any type of transaction, but also streamline and automate processes for loan servicing; including all necessary precautions for total asset protection.
  • Jeb Smith - Huntington Beach Realtor
  • 19440 Goldenwest St, Huntington Beach, CA, 92648
  • Jeb Smith has a work philosophy that is centered around his clients. He strongly believes that his clients should be his top priority and works to provide them with exceptional service at all times. Smith relies on his extensive knowledge and his understanding of both the real estate and mortgage lending industries in order to secure.
  • Vista Funding Corp.
  • 18682 Beach Boulevard, Suite 205, Huntington Beach, CA, 92648
  • We treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Summit Lending & Realty
  • 2130 Main Street, Suite 110, Huntington Beach, CA, 92648
  • "Southern California-based Summit Lending is a top-reviewed direct mortgage lender, and mortgage brokerage specializing in home purchase loans and refinance loans. We proudly offer government loans including FHA loans and VA loans, in addition to Conventional loans, Jumbo loans, Home Equity Lines of Credit,"
  • LoanSpike
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  • LoanSpike is committed to provide current homeowners the ability to refinance at ultra competitive interest rates. We pride ourselves in discounting our fees and beating the competition with our delivered rates. We are best viewed as a Mortgage Mart providing the lowest prices in the marketplace, similar to a 99Cent Store.
  • Homeowners Mortgage and Equity, inc
  • 18600 Main Street, Suite 290, Huntington Beach, CA, 92648
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  • Crown Commercial Finance Inc.
  • 512 21st Street, Huntington Beach, CA, 92648
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  • American VA Loans Inc.
  • 20422 Beach Boulevard, Suite 105, Huntington Beach, CA, 92648
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  • JT Enterprises
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  • Emerald Coast Investments
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  • Buywise Mortgage
  • 2130 Main Street, Suite 290, Huntington Beach, CA, 92648
  • BuyWise Mortgage, a California Mortgage Broker, has chosen to serve as a wholesale mortgage broker specifically to offer a wider range of customized mortgage solutions to solve sometimes complicated problems. Our mortgage automation technology delivers a streamlined mortgage process, which results in consistently lower interest rates.
  • Choice Services Group Inc.
  • 20422 Beach Boulevard, Suite 425, Huntington Beach, CA, 92648
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