USDA Vs. FHA your options comparison in 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 .
2026 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.
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6500 River Place Blvd, Suite 250 Bldg 7, Austin, TX, 78730
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Originally named Abilene Air Force Base Federal Credit Union, Communities of Abilene Federal Credit Union was chartered on December 7, 1955 as a single sponsor credit union for the armed services personnel stationed at Abilene Air Force Base (Now Dyess AFB). We had seven founding members and assets of $41.50 by year end.
In 1996, Austin Finance was started when we saw a need for helping people in the local community. Austin Finance Company saw that they could help when small financial issues came up and big banks weren't willing to help.
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The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups.
