USDA Vs. FHA Pro and Con comparison in Palmyra, Wayne County, NY
In 2026, the USDA loan limit for Palmyra, within Wayne, NY, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's USDA vs FHA rates, determining the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, aiding in the decision of which program in Alabama suits your financial situation best.
2026 Loan Limits and Down Payment Requirements in Palmyra, Wayne County, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Palmyra, NY
Lendersa® aims to quickly secure the optimal USDA or FHA loan for you with minimal hassle. Choose one of three paths to connect with lenders and explore suitable USDA loan programs.
The USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans that necessitate a 3.5% down payment, USDA loans require none.
NetFunding Corporation's mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a home or refinancing a mortgage. So we make a commitment to you and will help you qualify, apply and be approved for the right mortgage loan for you.
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
Pittsford Federal Credit Union has now served members for 48 years, providing financial information resources, competitive products, and outstanding service. The Credit Union continues to grow and is currently among the largest five credit unions in the Greater Rochester area. In December, we reached $380 Million in assets.
180 Office Park Way, Suite 2000, Pittsford, NY, 14534
Lends in New York
We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
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.
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
Canandaigua FCU is a Credit Union that is a not-for-profit financial institution. Serving our members with financial products and services from savings to loans and everything in between. We have Mobile Banking, Home Banking and Bill Pay free to our members.Credit Union that is a not-for-profit financial institution.
