USDA Vs. FHA Pro and Con comparison in Perry, Wyoming County, NY

In 2026, the USDA loan ceiling for a single-family home in Perry, which is in Wyoming county, NY, is $336,500. By comparison, the FHA loan limit is set at $472,030.

Utilize Lendersa®'s USDA loan calculator to juxtapose the top USDA and FHA rates available today, allowing an assessment of income, credit levels, reserves, and necessary documentation. With our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA loans side by side, offering a comprehensive view to help choose the best option in for your personal financial situation.

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2026 Loan Limits and Down Payment Requirements in Perry, Wyoming, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Perry, NY

Lendersa® is committed to finding you the best USDA or FHA loan swiftly and effortlessly. Choose one of the three paths leading to matching lenders and relevant USDA loan programs.

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Understanding USDA Loans in NY

The USDA home loan, supported by the Department of Agriculture (also known as the USDA rural development loan or mortgage), is available only in rural neighborhoods. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans have no down payment requirement.

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



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  • CHROME Federal Credit Union
  • 45 Griffith Avenue, Washington, PA, 15301
  • CHROME may look shiny and new, but we started in 1971 as the credit union for employees of Washington Steel Corporation. In 1991, we became Washington Community Federal Credit Union and expanded our membership to serve anyone that lived in Washington County. In 2014, we updated our name to CHROME to pay homage to our original members.

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    We are Federally Insured, so your money is safe. And, we’re part of the Co-Op Shared Branch Network that gives you 6, 000 branches nationwide making credit unions the second largest branch.

  • First New York Federal Credit Union
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  • 4 Winners Circle, Albany, NY, 12205
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