USDA Vs. FHA Pro and Con comparison in Oswego, Oswego County, NY
In 2025, the USDA loan limit in Oswego, situated in Oswego county, NY, is $336,500. Meanwhile, for a single-family home, the FHA limit is $472,030.
Utilize the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents needed for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, enabling you to choose the most suitable program for your financial situation in .
2025 Loan Limits and Down Payment Requirements in Oswego, Oswego County, 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 Options in Oswego, NY
The objective of Lendersa® is to help you acquire the best possible USDA or FHA loan with speed and no hassle. Begin by choosing one of three paths to connect with lenders offering USDA loan programs.
A USDA home loan is a product backed by the Department of Agriculture, also referred to as a USDA rural development loan or USDA mortgage, designed solely for rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment, providing a significant benefit to eligible buyers in rural communities.
Cape Fear Farm Credit provides loans to more than 2,500 farmers and rural North Carolina residents. We're a cooperative, which means we’re in business to benefit our customer-owners. We have 10 branch offices in our 12-county territory, and our members vote for directors directly from our membership.
We opened in 1952 as Bragg Civilian Federal Credit Union. Over the years we changed to Bragg Mutual Federal Credit Union. We are a Credit Union Service Center open to other Service Center members as well.
A full service credit union open to all who live, work, or worship in Cumberland County, NC.
National Bank team of hard-working community members that help our neighbors with all things banking - when you grow, we grow. We know customers are always striving for more, and being the locally trusted financial leader, we are giving our customers personalized options that make banking simple, yet effective
It starts with commitment. The foundation of all great relationships.
We started this credit union for the Marines. To match the loyalty and commitment with which they serve us. And for over 60 years, we’ve been here. For the Marines and their community. Here for the long haul.
300 Western Blvd, Suite 400, Jacksonville, NC, 28546
Linear Mortgage Your financial and lifestyle goals need to be considered when purchasing a home. Our Loan Consultants will take the time to learn about you, your goals and provide you with options on what type of mortgage will work best for you and also Linear Mortgage Solution was founded on the principal of making the home buying.
We enjoy the privilege of providing an invaluable service to our clients. We are committed to doing everything we can do to earn your trust, confidence and respect. As a company, we have set high standards to ensure that we are consistently meeting and often exceeding our customers’ expectations of quality and value.
Town Bank, a Wintrust Community Bank, has 19 locations in Albany, Burlington, Darlington, Delafield, Elm Grove, Hartland, Lake Geneva, Madison, Menomonee Falls, Milwaukee, Monroe, Pewaukee, Wales, Walworth, Wind Lake, Delavan, Sharon, and Clinton, Wisconsin. It provides a wide array of commercial and private banking services.
Purchasing or refinancing a house can be a big undertaking. We treat you with the respect due an esteemed customer and give you the individual service you deserve. We realize the big commitment you are making in purchasing a house, refinancing a mortgage, or cashing out your home equity.
