USDA Vs. FHA your options 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.

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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.

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Understanding USDA Loans in NY

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Coteau Valley Federal Credit Union
  • 212 West Hickory Street, Sisseton, SD, 57262
  • When you’re a member of Coteau Valley Federal Credit Union, you’re not just a customer but part-owner of your credit union. Member assets are pooled to provide loans and other financial services to fellow members. Coteau Valley Federal Credit Union was founded as a federally chartered credit union in November of 1950.

  • Sisseton-Wahpeton Federal Credit Union
  • 45665 Veterans Memorial Drive, Agency Village, SD, 57262
  • Sisseton Wahpeton FCU is a member-owned credit union which has been providing financial services to special member groups in and around the Lake Traverse Reservation in South Dakota since 1979 and also Sisseton-Wahpeton FCU ! We’ll give you personalized service that goes above and beyond what you’ll find at any other regional financial institution.

  • Bank of Dixon County
  • 117 East Third Street, Ponca, NE, 68770
  • Bank of Dixon County We have one goal and that is to help you be financially successful. Our approach to business and community banking is simple. We can not be successful if our customers are not successful. Yes, that is different than many financial institutions. But we have been here since 1881, and we plan to serve.

  • U.P. Employees Federal Credit Union
  • 1000 West 4th Street N, North Little Rock, AR, 72114
  • U.P. Employees Federal Credit Union is a member-owned financial institution that is not for profit, not for charity, but for service. The Credit union is committed to the philosophy of people helping people.

    Union Pacific Railroad and Amtrak employees as well as their immediate family members.

  • UP Federal Credit Union
  • 1501 Pike Avenue North, North Little Rock, AR, 72114
  • UP Arkansas Federal Credit Union is a not-for-profit financial cooperative. When you join the credit union, you become a shareholder – or an owner – of a very unique financial institution. Earnings above the required reserves are returned to you, in the form of lower interest rates on loans and competitive dividends on savings.

  • Fort Roots fcu
  • 2200 Fort Roots Dr, Building 170, North Little Rock, AR, 72115
  • The Fort Roots Federal Credit Union was formed in 1933 consisting of seven members. As of today, we have 1,230 members with assets totaling nearly 4 million dollars.

    Fort Roots FCU can be your full service financial institution. Our services include savings, Christmas club, checking, ATM & debit Cards, direct deposit, savings certificates, aut

  • Lincoln State Bank
  • 302 Main Avenue South, Hankinson, ND, 58041
  • In 1903 four brothers chartered Lincoln State Bank in Glenburn, ND. In 1935, upon request by several Hankinson, ND merchants, the Healy family moved the charter to Hankinson. The bank continued to serve Glenburn for a number of years through the operation of a paying and receiving station.

  • CS Bank
  • 152 E. Van Buren, Eureka Springs, AR, 72632
  • At CS Investment Services, we realize that selecting a financial advisor is no easy task. With that in mind, we created these pages to help you understand us & our process better. After you’ve completed your online research, we encourage you to contact us & establish an appointment so we can answer any questions.