USDA and FHA Pro and Con in Moravia, Cayuga County, NY

In 2025, the USDA loan limit in Moravia, located in Cayuga County, NY is set at $336,500, whereas the FHA loan limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare top USDA versus FHA rates today. Determine the income, credit score, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you decide which program in suits your financial situation best.

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2025 Loan Limits and Downpayment Requirements in Moravia, Cayuga, 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 Moravia, NY

Lendersa® strives to secure the best possible USDA or FHA loan quickly and with ease. Choose one of three starting paths to match with lenders and find ideal USDA loan programs.

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What is a USDA Loan in NY?

The USDA home loan, supported by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is accessible only in rural locations. In contrast to FHA loans that require at least a 3.5% down payment, the USDA mortgage demands no down payment at all.

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



  • JDMH Federal Credit Union
  • 520 Jefferson Avenue, 5th Floor, Suite 501, Jeannette, PA, 15644
  • JDMH FCU is a democratic, non-profit financial organization chartered by the Federal Government which is owned & operated by the members and exists solely to benefit them. Membership is open to all employees of Excela Health Westmoreland Hospital; retirees of Mercy Jeannette Hospital; Excela volunteers; employees of the credit union.
  • Franklin Regional Schools Federal Credit Union
  • 4068 Bushy Run Road, Jeannette, PA, 15644
  • Franklin Regional Schools Federal Credit Union was founded in 1967 to give the faculty and administration of the school district a convenient means to obtain loans and other financial services. Currently FRSFCU has 450 members and has been helping its members obtain the financing necessary to meet their individual needs.
  • Elliott Community Federal Credit Union
  • 920 North Fourth Street, Jeannette, PA, 15644
  • The Elliott Community FCU, Founded in 1935, is unique in the fact that all of our local branches were homes converted into office space. Membership is open to anyone who Lives, works, worships or attends school in Westmoreland County. We strive to provide our members with unique and personalized customer service that they cannot get.
  • Pronto Mortgage
  • 217 F Pleasant Valley Road, Jeannette, PA, 15644
  • 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.
  • Cornerstone Bank, National Association
  • 230 Park Avenue, Worcester, MA, 01609
  • Cornerstone Bank was formed in 2017 & was built on the foundation of two local, mutual banks joining together— Southbridge Savings Bank & SpencerBANK (founded in 1871). Based in Worcester, Massachusetts, we currently operate 13 branch offices.Cornerstone Bank is a local, community bank dedicated to providing high-quality, personal customer service.
  • Team Hunton
  • 50 Elm Street, Suite 8, Worcester, MA, 01609
  • We are a full-service mortgage brokerage with access to over 50 different lending options to help find you the best rate and best structure for your mortgage to suit your short and long term financial needs We can offer access to a myriad of mortgage types from no down payments & first time home buyer programs to investor loans
  • AllCom Credit Union
  • 36 Park Avenue, Worcester, MA, 01609
  • "AllCom Credit Union is a full-service, not-for-profit, community-chartered financial services organization. Founded in 1922, we celebrated 90 years in business in 2012. AllCom was originally chartered to provide financial services exclusively to employees of the Telephone Company."
  • The Mars National Bank
  • 145 Grand Avenue, Mars, PA, 16046
  • Founded in 1900, Mars Bank has invested and served the same communities in which we live. Primarily focused on Southern Butler, Eastern Beaver and Northern Allegheny counties, we are committed to this area and its communities. Mars Bank is committed to remaining a relationship driven, independent community bank which offers competitive products
  • First Choice Mortgage Services, Inc.
  • 1160 Dutilh Road, Suite 100, Mars, PA, 16046
  • First Choice Mortgage Services Inc is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
  • Webster Five
  • 35 Millbury Street, Auburn, MA, 01501
  • Webster Five is a $1 billion community bank with seven convenient branches, serving Central Massachusetts with offices in Auburn, Dudley, Oxford, Shrewsbury, Webster and Worcester. For over a century, the bank has developed a reputation for outstanding personal service, community support and fiscal strength.
  • Allegheny Valley Federal Credit Union
  • 250 William Pitt Way, Pittsburgh, PA, 15238
  • Allegheny Valley Federal Credit Union provides and promotes the use of a variety of financial services which feature particular benefits and advantages over those generally available from other banking sources, with the specific intent of helping members gain some particular measure of personal financial success.
  • Veritas Mortgage Services
  • 1384 Old Freeport Road, Suite 3F, Pittsburgh, PA, 15238
  • Veritas Mortgage Services is a mortgage broker providing the highest level of customer service to home buyers. For nearly 15 years, we’ve helped buyers like you experience the magic of having your own place. We’ve earned our reputation as an honest, responsive and professional partner.