USDA Vs. FHA Pro and Con comparison in Penn-Yan, Yates County, NY
In 2025, the USDA loan limit in Penn-Yan, within Yates, NY, is $285,000, whereas the FHA limit for a single-family home is $356,362.
Utilize Lendersa®'s USDA loan calculator to examine today's leading USDA versus FHA rates, and assess the income, credit, reserves, and necessary documents for qualification. Through our advanced mortgage calculator, USDA, FHA, Conforming, and VA options are presented side by side, providing insights to determine the best program in that fits your financial situation.
Loan Limits and Down Payment Requirements for 2025 in Penn-Yan, Yates, NY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conforming Conventional
$548,250
3%
USDA and FHA Loan Paths in Penn-Yan, NY
Lendersa® is committed to assisting you in securing the best USDA or FHA loan promptly and effortlessly. Choose any of the three starting approaches designed to connect you with appropriate lenders and USDA loan schemes.
The USDA home loan, guaranteed by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans which require at least a 3.5% down payment, USDA loans require no down payments.
American Mortgage, we believe in helping our clients improve their lives. For the last 20 years, we’ve emphasized building relationships with the people we work with. We feel passionately about bringing transparency and integrity to the mortgage industry. From our very first day, we’ve worked to provide a transformative impact in our client’s lives
10900 Northeast 4th Street, Suite 2300, Bellevue, WA, 98004
Intercontinental Mortgage is a diversified financial service company. However, the business philosophy is a simple one: to offer extensive loan programs to satisfy any clients' home lending needs. Our entire staff is dedicated to promote high standards of business practices & act in accordance with all federal and state laws, rules, & regulations.
330 112th Avenue Northeast, Suite 301, Bellevue, WA, 98004
Quintet Mortgage LLC is a leading real estate financing firm, providing strategic and resource information for customers, builders, and state agencies. Flexible yet comprehensive in our approach, we are known for being timely and thorough. Clients also know we place an emphasis on details and time tables.
1601 North East 116th Avenue, Suite 114, Bellevue, WA, 98004
Xpro Mortgage Inc. has been in the mortgage/loan business in great Seattle area since 2013. We have helped hundreds of home owners for their new loans and refinances. We are honest, ethical, knowledgeable and very professional. If you have any needs for mortgage, whether it’s a new loan or refinance, don’t hesitate to contact us.
11400 Southeast 8th Street, Suite 410, Bellevue, WA, 98004
The Seattle Pacific Mortgage Inc team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
10400 NE 4th Street, Suite 500, Bellevue, WA, 98004
Upwell as a springboard for opportunity - to help homeowners like you achieve their dreams. The lending industry today is split between two extremes, leaving many of homebuyers' needs unmet. A growing number of tech-centric lenders offer efficient processes and low rates, but not reliable, local expertise to guide decision-making.
3055 112th Avenue NE, Suite 203, Bellevue, WA, 98004
Sammamish Mortgage has consistently provided clients with superior service along with low rates and fees. Whether you are purchasing your first home, buying your dream home or refinancing, our award winning team of mortgage professionals will help get you the best mortgage for your financial situation.
At Precision Mortgage, Inc you'll find mortgage consultants who put themselves in your shoes before deciding on which loan program would be good for you. We wants to be your personal mortgage consultants for life and we'll work very hard to achieve that. We will guide you through you process and be as thorough as can and in a timely fashion manner.
Josh Kostelyk and my official title is Mortgage Loan originator, which sounds a little stuffy. In short, I help people buy homes and refinance homes by securing top of the line mortgage products that meet their specific needs while saving them time I'm an independent broker with direct connections to a multitude of lending institutions.
77770 Country Club Drive, Suite A, Palm Desert, CA, 92211
Infinity Home Loans Group as well as a life time resident of the Coachella Valley, you can rely on me and my broad network of resources to make a REAL difference in your home buying process. Because of my 17 years of experience and the knowledgeable mortgage team that stands behind me, I'm an expert at connecting my customers to mortgage solutions.
77734 Country Club Drive, Suite L2, Palm Desert, CA, 92211
Ronald Christopher & Associates is a boutique Real Estate & Mortgage office that was established in 2013, Veteran owned & operated by Ron & Tina Saporito. Meeting within the business many years ago, Ron & Tina discovered they both had the same drive & passion for the real estate & mortgage industry but wanted to offer their clients a more enhanced,
