In 2026, the USDA loan limit in Oakfield, located in Genesee county, NY, is $336,500. Conversely, the FHA loan limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA rates. Identify the income, credit, reserves, and documents needed for qualification. This advanced tool allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best option for your financial needs in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa®'s mission is to provide you with the optimal USDA or FHA loan expediently and without difficulties. Choose one of the three starting points that link you with lenders and USDA loan offerings.
A USDA home loan, guaranteed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is available solely in rural areas, and unlike FHA loans that require at least 3.5% down, the USDA mortgage offers zero down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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