USDA VS FHA in Oneonta, Otsego County, NY

In 2025, the USDA loan cap for Oneonta in Otsego, NY is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA best rates, uncovering the necessary income, credit, reserves, and paperwork for qualification. Our advanced mortgage calculator helps you view USDA, FHA, Conforming, and VA loans side by side, assisting in your choice of the most suitable program in for your financial situation.

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2025 Loan Limits and Down Payment Needs in Oneonta, Otsego, 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 Opportunities in Oneonta, NY

The goal of Lendersa® is to swiftly deliver the best possible USDA or FHA loans without hassle. Choose from three starting points to find matching lenders and USDA loan programs that meet your needs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively accessible in rural areas. Unlike FHA loans requiring a 3.5% down payment minimum, USDA loans do not require any down payment, broadening accessibility.

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



  • SEFCU
  • 575 Broadway, Albany, NY, 12207
  • As a SEFCU shareholder, you will enjoy benefits not found in other financial relationships. Benefits that keep growing with each passing year to help you achieve your purpose.SEFCU is among the 50 largest credit unions in the U.S. with more than $3.5 billion in assets, 330, 000 members, and 50 branches in the Capital Region.
  • Prime Commercial Lending
  • 66 South Pearl Street, 10th floor, Albany, NY, 12207
  • For over 20 years Prime Commercial Lending has been a nationally recognized leader in non-bank financing, providing capital to businesses and real estate investors nationally with over 1 billion dollars of transactions financed to date. Prime Commercial Lending is a direct lender and also has long standing syndication relationships with banks, he
  • Approved Credit Services, Inc NMLS #9604
  • 2572 Erie Blvd. East, Syracuse, NY, 13224
  • We are experts in locating the loan that fits your individual circumstances. We have extensive experience in financing manufactured and mobile homes since 1994. We pride ourselves upon finding the best loan for you in the shortest possible time, plus making the experience as hassle-free as possible.
  • Community Resource Federal Credit Union
  • 20 Wade Road, Latham, NY, 12110
  • We offer outstanding rates and low fees on a full range of financial products. Our mission is to improve the lives of our members and community by providing access to affordable, reliable and solution based financial services. Our mission is to improve the lives of our members and the community by providing access to affordable
  • Sunmark Credit Union
  • 1187 Troy Schenectady Road, Latham, NY, 12110
  • Sunmark Credit Union is a full-service, community chartered credit union serving New York through financial services, education and empowerment. Since 1937, Sunmark Credit Union has been helping members in New York improve their financial position by offering a full range of products, from mortgage and retirement options to savings and checking.
  • Maple Tree Funding
  • 1202 Troy Schenectady Rd, Bldg 3, Latham, NY, 12110
  • Maple Tree Funding is a New York State Registered Mortgage Broker. Established in 2003, we have been providing excellent mortgage programs for both home purchases and home refinancing to home buyers throughout New York State for more than a decade.We are a locally owned & operated company based in Latham, New York with a branch office in Queensbury
  • FREEDOM ONE FUNDING, INC
  • 404 Troy Schenectady Rd, Latham, NY, 12110
  • Low rate mortgage refinancing, FHA loan rates, fixed mortgage refinance, low equity loans, refinance mortgages, second mortgage rates, home equity loan and new home financing provided by Freedom One Funding. Freedom One Funding, Inc. – Registered Mortgage Broker – NYS Dept. of Financial Service. Loans arranged through third party providers.
  • Northeast Funding Services, Inc.
  • 30 Century Hill Dr Suite 103, Latham, NY, 12110
  • Northeast Funding is a Licensed Mortgage Broker in both New York and Connecticut. As a broker we do the hard part for you. We shop out the interest rate between several local, regional, and national banks to find which one is the for you. We make the process as simple as we can for you.
  • Countryside Federal Credit Union
  • 5720 Commons Park Drive, East Syracuse, NY, 13057
  • Countryside Federal Credit Union has been open since 1941. The credit union has assets totaling $164.5 Million and provides banking services to more than 5, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
  • CORE Federal Credit Union
  • 7200 Kirkville Road, East Syracuse, NY, 13057
  • CORE Federal Credit Union has been open since 1959. The credit union has assets totaling $134.55 Million and provides banking services to more than 9, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups
  • Community Bank, N.A.
  • 5821 Bridge Street, East Syracuse, NY, 13057
  • Community Bank System Inc. (NYSE:CBU) is a full-service financial institution with more than 215 customer locations across New York, Pennsylvania, Vermont & Massachusetts, where we’re known as Community Bank, N.A. With over $13 billion in assets, we have the resources to finance a wide range of personal, small business & commercial business needs.
  • Pioneer Bank
  • 652 Albany Shaker Road, Albany, NY, 12211
  • Founded for the financial strength of the community, Pioneer has been operating within New York's Greater Capital Region for more than 130 years, providing financial support to help people build a better life. Today, our values remain the same, holding firm to our belief that the customer, our employees, and our community come first.