USDA and FHA Pro and Con in Oneida, Madison County, NY
In 2025, the USDA loan limit for Oneida, in Madison, NY, is $336,500. By contrast, the FHA limit for a single-family home stands at $472,030.
Leverage the Lendersa® USDA loan calculator to compare the best USDA and FHA rates available today, determining the income, credit, reserves, and documents needed to qualify. Our advanced mortgage tool lets you view USDA, FHA, Conforming, and VA options side by side, aiding your decision on the best financial program in .
2025 Loan Limits and Downpayment Details in Oneida, Madison, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Oneida, NY
The mission of Lendersa® is to swiftly connect you with the best USDA or FHA loans without hassle. Choose one of three pathways to match with lenders and USDA loan possibilities.
The USDA home loan, commonly referred to as a USDA mortgage or rural development loan, is backed by the government through the Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans require none.
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We encourage you to join, save, borrow,
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