USDA Vs. FHA your options comparison in Newark, Wayne County, NY
In 2026, the USDA loan limit for Newark, located in Wayne county of NY, is $336,500. For a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the best USDA versus FHA rates available today and determine the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator provides side-by-side comparisons of USDA, FHA, Conforming, and VA loans, helping you select the best program in for your financial situation.
2026 Loan Limits and Down Payment Requirements in Newark, 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 Options in Newark, NY
The objective of Lendersa® is to swiftly and easily secure the best USDA or FHA loan for you. Choose from three starting points that connect you with matching lenders and USDA programs.
A USDA home loan is a government-guaranteed loan by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans require no down payment.
At Taylor Made Mortgage, we offering personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way. Start with a fast, personalized rate quote.
At Access Buyers Security Mortgage LLC We are committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, so we offer a variety of products to meet your individual needs. We make the process of securing a mortgage simple
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Primeau Funding has been active in the financial community since 1999 securing capital for individual investors, developers and companies nationwide and internationally. We specialize in hard money and private equity participation for your commercial real estate and energy projects. We offer competitive rates on various loan types such as hard mone
Nexa Mortgage, LLC: Your Partner in Home Ownership
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Nexa Mortgage, LLC, led by Jason Elliott, offers tailored mortgage solutions from California, ensuring fast, competitive rates. We serve first-time buyers and seasoned investors alike with quick closings and personalized guidance, making home ownership sea
Discover the future of home financing with NEXA Mortgage, LLC, led by Jason Elliott. Based in California, we specialize in providing competitive mortgage solutions tailored to your needs. Whether you're a first-time homebuyer or a seasoned investor, our expert team ensures quick closings and clear, personalized guidance. Experience transparency and
Gateway Bank represents a return to how banking used to be, where the staff knew everyone by name and treated you like a person instead of a number. We bring this nostalgic approach into modern times and offer the best of both worlds: the local, personal attention you want, plus a wide variety of products and services to meet your needs.
USA Private Money is a private lender providing loans across the United States. They provide fix-and-flip loans, hard money bridge loans, refinancing, loans for rental properties, and private commercial loans. They offer loan amounts starting from $45,000 with a maximum LTV of 90%, terms up to 300 months, and rates ranging between 6% and 8%.
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At Elite Lending Group, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process so that you can confidently select the best mortgage for you.
