USDA Loan Vs. FHA loan pro & con Oswego, Oswego County, NY

In 2026, 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 .

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.

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Understanding USDA Loans in NY

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.

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(815) 426-2156 Lender's profile and map Reviews State Bank of Herscher 10 Tobey Drive, Herscher, IL, 60941 The State Bank of Herscher was chartered in 1902 by a group of residents who understood what a local bank meant for the well-being of their community. The growth that we have experienced since that time has allowed us to move to our present location in Herscher as well as expand to Limestone.
(630) 844-4950 Lender's profile and map Reviews Earthmover Credit Union 2195 Baseline Road, Oswego, IL, 60543 Earthmover Credit Union's vision is to provide its members with quality products and exceptional service while maintaining a competitive rate of return on deposits, the security of capital strength, and competitive rates on loans. When you become a part of Earthmover Credit Union, don't worry about asking us for help You can rest assured.
(630) 554-8899 Lender's profile and map Reviews Allied First Bank SB 3201 Orchard Road, Oswego, IL, 60543 Allied First Bank is Oswego's only true community bank. We're Your Hi-Tech Hometown Assist with a full range of consumer, commercial, and mortgage products and banking services. The bank is a centerpiece of the community with its creation and sponsorship of the Oswego CrossTown Challenge.
(855) 456-9782 Lender's profile and map Reviews Direct Mortgage Investors, Inc. 5533 west 109th Street, Lawn, IL, 60543 Direct Mortgage Investors, Inc has always been forward-thinking, with creative financing options for those with challenges. With partnerships with over 200 banks and Investors, we create a frictionless process to bring in the new era of mortgage loan pathway, which many of our competitors call our process unique and seamless.
(704) 868-0890 Lender's profile and map Reviews Lithium Federal Credit Union 1111 Bessemer City Kings Mountain Highway, Bessemer City, NC, 28016 The organizational meeting of LCA Federal Credit Union was held on December 17, 1956. Thirty eight potential members attended along with the nine members that incorporated the credit union idea. Officers were elected and guidelines were established. The first Directors meeting was held immediately after the organizational meeting.
(877) 463-2610 Lender's profile and map Reviews Capital Financial Group 2471 W. Sullivan Road, Aurora, IL, 60506 Our mission is to deliver excellent service and provide you with an extraordinary experience. At Capital Financial Group, a Division of First Centennial Mortgage, we believe the home purchase and finance process should be exciting, enjoyable and exceptional in every sense. In business since 1995.
(423) 581-8345 Lender's profile and map Reviews Lowland Credit Union 1216 E Main Street, Morristown, TN, 37814 The Lowland Credit Union began operation on June 12, 1953 at the Lowland site of the American Enka Company located in Lowland, Tennessee. Active employees of that site were eligible to join. Some years later, the field of membership was expanded to include retired employees and family relations of members.
(423) 586-1125 Lender's profile and map Reviews Colonial Loan Association 2645 W Andrew Johnson Hwy, Suite B, Morristown, TN, 37814 The Colonial Loan lending team is uniquely positioned to offer local decisions within 24 hours of application. Each lender is experienced and passionate about helping consumers with less than perfect credit secure personal loans.We consider each loan application individually and decisions are not made solely on credit scores.