USDA and FHA Pro and Con in Ontario, Wayne County, NY
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 .
Loan Limits and Down Payment Requirements for 2026 in Ontario, Wayne County, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Ontario, NY
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.
1120 Crosspointe Lane, Suite 4B, Webster, NY, 14580
Lends in New York
Our mortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal mortgag
1674 Empire Blvd, Suite 200, Garden City, NY, 14580
Lends in New York
We’re a full service mortgage broker based in Rochester, NY specializing in all residential loan types including FHA, VA, USDA, Conventional, & Jumbo loan programs.We serve all of New York State including cities such as Buffalo, Syracuse, Albany, Binghamton & New York City.Whether you’re buying an existing home,building a new home, or refinancing
1120 Crosspointe Lane, Suite 4B, Webster, NY, 14580
Lends in New York
Our mortgage team members will give you the individual attention you deserve & treat you with the respect due a valued customer.We understand you're making a commitment in purchasing a home, refinancing a mortgage or tapping into your home equity.So we make a promise to you:we will help you qualify, apply and be approved for the ideal mortgage loan
Family First Federal Credit Union is a full-service, local financial institution with over 15, 000 members that is guided by the principles of Sustainable Excellence. These principles apply to the care and service quality we provide to our members, our dedication to our staff and our responsibility to provide sound products and banking solutions.
Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
Rochester & Monroe County Employees Federal Credit Union
460 N Goodman Street, Rochester, NY, 14609
Lends in New York
Get the most out of your membership with Rochester & Monroe County Federal Credit Union. With a full range of financial products and services, our goal is to help make banking easy for our members so they can meet their goals. Members are eligible for a range of services to make banking, investing, and lending easier than ever.
Reliant Credit Union is a member-owned and member-driven full-service financial institution with nine branches across Monroe, Ontario, & Wayne Counties in New York. We're committed to making a difference in the communities we serve by improving our members' financial lives and exemplifying the credit union philosophy of "people helping people
At HAUS Capital, we understand that everyone’s situation is unique. Our flexible and innovative mortgage products allow us to tailor a mortgage solution customized for you and your family.Sam DiPiano, President and CEO of HAUS Capital Corporation has been in the Mortgage industry since the early 2000s.
Normandy's financial strength along with common sense decision making, allows for a flexible and stream-lined loan process, resulting in quality service and an experience that benefits Normandy's customers.
We offer a full line of Mortgage Loan Products specializing in residential and commercial construction loans. We have funded over $800 Milli
