USDA and FHA Pro and Con in Onondaga, Onondaga County, NY
For 2026, the USDA loan ceiling in Onondaga, located in Onondaga county, NY, is $336,500, whereas the FHA maximum for a single-family home is $472,030.
Using the Lendersa® USDA loan calculator, you can compare today's top USDA and FHA rates, helping you ascertain the income, credit, reserves, and necessary documentation to qualify. Our state-of-the-art mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA options, facilitating your decision-making for the most appropriate program in for your financial needs.
2026 Loan Limits and Down Payment Requirements in Onondaga, Onondaga, NY
Loan Type
Max Loan
Initial Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Alternatives in Onondaga, NY
The mission of Lendersa® is to quickly and efficiently secure you the optimal USDA or FHA loan. Choose from three starting strategies to match with lenders and discover USDA loan arrangements.
The USDA home loan, secured by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, is specifically for rural areas. Unlike FHA loans demanding a minimum 3.5% down payment, the USDA mortgage requires no down payment, offering a distinctive advantage.
SECNY FEDERAL CREDIT UNION the credit union is a member-owned, non-profit, full-service financial institution. SECNY maintains its focus on education and commitment to going beyond just providing financial services. Any person working, living, worshipping, attending school, businesses and legal entities.
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300 South State St, Suite 1000, Syracuse, NY, 13202
Lends in New York
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Promote owner-occupancy of homes in the area east of Syracuse University campus
