USDA Loan Vs. FHA loan for Paris, NY [Oneida County ]

In 2025, the USDA loan limit for a single-family home in Paris, within Oneida county, NY, is $336,500, whereas the FHA loan limit is $472,030.

Leverage Lendersa®'s USDA loan calculator to analyze today's USDA vs FHA rates. It determines the income, credit score, reserves, and necessary documents for qualification. Our advanced mortgage calculator also offers side-by-side comparisons of USDA, FHA, Conforming, and VA loans, helping you choose the best option for your financial situation in .

USDA and FHA Loan Options in Paris, NY

Lendersa® strives to secure the best USDA or FHA loan without much hassle. Choose one of three options to connect with suitable lenders and USDA loan programs.

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What is a USDA Loan in NY?

A USDA home loan is guaranteed by the U.S. Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. It's specifically available in rural areas. Unlike FHA loans that demand a minimum of 3.5% down payment, USDA loans require no down payment.

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(888) 853-8922 Lender's profile and map Reviews SMB Compass 411 Theodore Fremd Ave, Rye, NY, 10580 SMB Compass is a bespoke business financing company focused on providing financing and education to small businesses across the United States. As banks continue to make it difficult for small businesses to borrow money, we continue to provide cost effective and flexible colutions
(973) 275-9235 Lender's profile and map Reviews XCEL Federal Credit Union 1460 Broad Street, Bloomfield, NJ, 07003 XCEL Federal Credit Union is federally insured, regulated, and examined annually by both the federal government and an independent CPA firm. Each member’s deposits are insured to the $250, 000 maximum allowable limit by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. government.
(973) 842-2448 Lender's profile and map Reviews Reverse Mortgage Funding LLC 1455 Broad St. 2nd Floor, Bloomfield, NJ, 7003 At Reverse Mortgage Funding LLC (RMF), we are dedicated to helping older Americans live the retirement lifestyle that they imagined and deserve, in the comfort of their own home. Reverse mortgages are our only line of business, and meeting the needs of this important segment of our society is at the core of everything we do.
(860) 513-5000 Lender's profile and map Reviews Nutmeg State Financial Credit Union 500 Enterprise Drive, Suite 4A, Rocky Hill, CT, 06067 Nutmeg State Financial Credit Union is a values-driven organization committed to intentional actions and investments to “be the change” in our community. We believe prosperity for all people is possible when the people, businesses and municipalities that define a community are interconnected through meaningful social & economic relationships.
(855) 249-7627 Lender's profile and map Reviews Advance Smart 2264 Silas Deane Highway, Rocky Hill, CT, 06067 Advance Smart offers multiple business financing options with one appication. SBA loans, secured loans, unsecured loans, merchant cash advances, bridge loans, commercial loans, lines of credit, factoring, hard money loans and purchase order financing. We have the best options such as pre-payment discounts, weekly, bi-weekly, monthly.
(860) 721-9501 Lender's profile and map Reviews Connecticut Housing Finance Authority 999 West Street, Rocky Hill, CT, 06067 The Connecticut Housing Finance Authority (CHFA) was created in 1969 by the Connecticut Legislature as a self-supporting quasi-public housing agency charged with the purpose of expanding affordable housing opportunities for Connecticut’s low- and moderate-income families and individuals..
(860) 559-7577 Lender's profile and map Reviews Noreast Mortgage Services 1092 Elm Street, Suite 203, Rocky Hill, CT, 06067 The Noreast Mortgage Services Team is your premier mortgage team located in Rocky Hill, Connecticut. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Rocky Hill area.
(860) 817-0294 Lender's profile and map Reviews Empire Home Loans 1880 Silas Deane Highway, Rocky Hill, CT, 06067 Empire Home Loans is here to make the dream of home ownership become a reality. Our goal at Empire is to provide every client with a loan program that best fits their needs along with their short and long term goals. We offer Empire Home Loan Programs that fit a broad range of client needs
(610) 767-3875 Lender's profile and map Reviews The Neffs National Bank 5629 PA Route 873, Neffs, PA, 18065 The Neffs National Bank is an independent community bank that takes pride in being community-oriented and providing quality customer service From its modest beginning, the growth of the bank has been influenced by the prosperity of the local communities. Individuals and businesses continue to contribute to promoting community-oriented.
(203) 253-8835 Lender's profile and map Reviews Stormfield Capital, LLC 79 South Benson Road, Suite 5, Fairfield, CT, 06824 BlueCay Capital LLC is a real estate finance firm specializing in directly originating bridge loans collateralized by commercial real estate. We pride ourselves in seeing the value in under-performing or under-valued real estate assets. BlueCay Capital works closely with brokers, borrowers, and investors to ensure secure and timely transactions.
(203) 368-6441 Lender's profile and map Reviews Prosper First Funding Corporation 2465 Black Rock Turnpike, Fairfield, CT, 06825 At Prosper First Funding Corp., we feel lucky every day that we are given the ability to help our customers finance a piece of their future. A home purchase is also a very complex undertaking and requires that many elements work cohesively and come together in just the right way.
(914) 834-3200 Lender's profile and map Reviews Mamta Federal credit union 1000 West Boston Post Road, Mamaroneck, NY, 10543 MAMTA Federal Credit Union has been open since 1938. The credit union has assets totaling $12.74 Million and provides banking services to more than 1, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing services to members in the education community.