USDA and FHA Pro and Con in North-Syracuse, Onondaga County, NY

In 2026, the USDA loan limit for North-Syracuse, in Onondaga, NY, is $285,000, while the FHA limit for a single-family home is $356,362.

Utilize the Lendersa® USDA loan calculator to compare the leading USDA and FHA rates today, determining the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, offering guidance on choosing the program best suited to your financial situation in .

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2026 Loan Limits and Down Payment Requirements in North-Syracuse, Onondaga, NY

Loan Type Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in North-Syracuse, NY

The mission of Lendersa® is to quickly and easily obtain the best possible USDA or FHA loan for you. Choose from three starting points to connect with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

A USDA home loan, secured by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA mortgages require none.

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



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