In 2026, the USDA loan limit in Ontario, located in Wayne county, NY, is set at $336,500. Meanwhile, the FHA cap for a single-family dwelling is $472,030.
Leverage the Lendersa® USDA loan calculator to analyze and contrast the leading USDA versus FHA rates of today. Identify the income, credit, reserves, and documents necessary for qualification. Through our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, aiding in choosing the best program for your financial scenario 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% |
The mission of Lendersa® is to quickly secure the best USDA or FHA loan for you, free of hassle. Select one of three initial options that connect you with matched lenders and USDA programs.
A USDA home loan, also termed as a USDA rural development loan or USDA mortgage, is government-backed by the Department of Agriculture and offered exclusively in rural locales. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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