USDA Vs. FHA your options comparison in North-Syracuse, Onondaga County, NY

In 2025, 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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2025 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?



  • ATHENS MORTGAGE RESOURCES, INC.
  • 710 S Milledge Ave, Athens, GA, 30605
  • Athens Mortgage Resources, Inc. was founded by William A. Jones, Jr. on December 7, 1988, after he retired from his 20 years of service in the United States Air Force. Since its creation, Athens Mortgage has always provided the best and lowest rates & closing costs in the Athens/Oconee area. Along with the best deal in town
  • Community Bank of Pickens County
  • 15 Sammy Mcghee Blvd, Jasper, GA, 30143
  • Community Bank of Pickens County opened for business in 2000. The bank originally opened in a modular unit while a 10,000 square foot facility was being constructed at the corner of Highway 53 and Sammy McGhee Boulevard. Community Bank of Pickens County is the only locally owned bank in Jasper Georgia area.
  • HomeTrust Mortgage, Inc.
  • 11576 Big Canoe, Jasper, GA, 30143
  • The Hometrust Mortgage team is committed to providing each client with the highest quality service accompanied with the lowest mortgage interest rates available. Whether you are a first time home buyer, purchasing your dream home, refinancing an outstanding loan, consolidating debt, or you are a real estate investor.
  • The Mortgage Source LLC
  • 21 Court St, Suite 102, Jasper, GA, 30143
  • We built our mortgage business from the ground-up, consistently surpassing customer and agents expectations with clear and reliable communication and our "No Bureaucracy" approach to the mortgage process. Our team is local, friendly, and nimble, and we have more than a decade of experience crafting custom, structured loans.
  • FRONTLINE CAPITAL MORTGAGE, LLC
  • 91 Sammy McGhee, Suite 110, Jasper, GA, 30143
  • Frontline Capital Mortgage, LLC 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
  • Community First Bank Of The Heartland
  • 117 N. 10th Street, Mount Vernon, IL, 62864
  • Since 1906, our bank has been serving Jefferson County, Illinois. From 1906 to 2008, we operated as First National Bank which was originally chartered in Woodlawn, IL. We are proud to have been the only national bank to survive the Depression in Jefferson County, and we’re proud of our history of service to Jefferson County.
  • Gas & Electric Credit Union
  • 2300 4th Avenue, Rock Island, IL, 61201
  • Gas & Electric Credit Union proudly serves employees and retirees of MidAmerican Energy, the City of Rock Island, BITCO Insurance, Illinois Casualty Company, Rock Island Corps of Engineers, Friendship Manor, Rock Island Milan School District, Downtown Rock Island District Businesses and many other local, small businesses
  • 1st Community Bank
  • 407 Third Street, Sherrard, IL, 61281
  • 1st Community Bank is a branch office of 1st Community Bank. They provide the following services: Full Service Office Location & are located at 407 Third Street in Sherrard Illinois. Mobile & traditional directions to this location can be found below along with ratings, their phone number, online banking website and additional banking information
  • First Community Bank of Hillsboro
  • 807 South Main Street, Hillsboro, IL, 62049
  • First Community Bank of Hillsboro was organized, chartered and opened in 1998 by a group of local investors who felt the need for a locally owned and operated bank. In March 2002, the former Bass Funeral Home, with all its beauty and local history, became the new home of First Community Bank of Hillsboro.
  • Bank of Hillsboro
  • 230 S Main St, Hillsboro, IL, 62049
  • Bank of Hillsboro, previously known as, National Bank, is headquartered in Hillsboro, Illinois with 11 branches serving South Central Illinois. Bank of Hillsboro is locally owned by and operated. We believe our local ownership provides valuable Insight into the needs of our communities.
  • Coffee County Bank
  • 2070 Hillsboro Blvd, Manchester, TN, 37355
  • Coffee County Bank has been committed to serving the personal & business financial needs within our community. Today, we continue to present exceptional customer service & products designed to suit every customer's needs. By knowing our customers & providing innovative banking tools, we find solutions to achieve their goals & fulfill their dreams.
  • Peoples Bank & Trust Company
  • 1203 Hillsboro Blvd, Manchester, TN, 37355
  • Peoples Bank and Trust Company is proud of its heritage of providing a complete line of traditional banking services. Operating hand-in-hand with the commitment to convenience is the Bank's emphasis on efficiency and personal attention and also The first organizational meeting of Peoples Bank and Trust Company was held October 5, 1906.