USDA and FHA Pro and Con in Palmyra, Wayne County, NY
In 2025, 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.
2025 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.
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