USDA and FHA Pro and Con in Pembroke, Genesee County, NY

In 2025, USDA loan limit in Pembroke, county of Genesee, NY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Pembroke, county of Genesee, 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 Pembroke, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • Smart Mortgage Centers, Inc.
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  • Thank you for visiting us today. Smart Mortgage Centers was founded in 1997 by Richard Birk. Our mission is simple, find our clients the best possible mortgage options available on the market. Our experienced team is trained to have you pre-approved quickly, meaning minutes not days.
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  • PO Box 8920, Appleton, WI, 54912
  • Thrivent Credit Union, the marketing name for Thrivent Federal Credit Union, is a member-owned, not-for-profit financial cooperative with locations in Appleton, WI and Minneapolis, MN, serving members throughout the United States over the phone, digital channels, and shared branches.
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  • As a local credit union, we are strong enough to provide you with everything you need, yet small enough to know you personally and care about helping you prosper any way we can. When you choose Prospera, you become a member, not just a customer. A family that works together for everyone's benefit.
  • Linda the Lender
  • 119 N McCarthy Rd, Appleton, WI, 54913
  • The Linda the Lender Team has helped many people in Wisconsin realize thier dream of home ownership. We have developed a loan process that is smooth and stress free. Come and see what we have to offer. Everyone’s financial needs are different and loan programs are not one size fits all. We have many loan program options
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