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

In 2025, 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.

Explore loan offers from 100 lenders

2025 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.

Results of Lendersa USDA loan request matching

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?



  • Pocono Medical Center Federal Credit Union
  • 206 East Brown Street, East Stroudsburg, PA, 18301
  • Pocono Medical Center Federal Credit Union Credit Unions began with a simple concept: Members pool their savings and lend to each other. Credit Union founders had a motto: "Not for profit, not for charity, but for service The Federal Credit Union was signed into law in 1934 and remains the guiding set of rules for federal credit unions today
  • WES Credit Union
  • 38024 Second Street, Willoughby, OH, 44094
  • WES Credit Union received a state charter in 1954. The mission of the WES Credit Union is to provide the best service and the best rates possible to our members while maintaining a sound financial institution. WES Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standard
  • Tristate Capital Bank
  • 301 Grant Street, Suite 2700, Pittsburgh, PA, 15219
  • TriState Capital Bank first began as a solution to growing gaps in the banking industry. Over the last few decades, banking trends left a large class of clients underserved: middle market businesses, executives, and high-net-worth individuals On one end of the industry, mergers began to multiply the large financial institutions that focus on the co
  • Hill District Federal Credit Union
  • 2021 Centre Avenue, Pittsburgh, PA, 15219
  • Since 1970, the Hill District Federal Credit Union has served those living in the Hill and beyond by providing financial services. When you join the Hill District Federal Credit Union, you become part of a member-owned organization built on the philosophy of people with of people with a common bond, helping each other.
  • City Co Federal Credit Union
  • 220 Grant Street, Pittsburgh, PA, 15219
  • Founded in 1941 with a mission to promote thrift to its members, City Co Federal Credit Union does so by providing competitive, quality financial products and services. Membership is open to current and former employees of Allegheny County, their families, and to those who work, conduct business, attend school in the community of Pittsburgh.
  • Employees Federal Credit Union
  • 635 Grant Street, Pittsburgh, PA, 15219
  • The AT&T Employees Pittsburgh, PA Federal Credit Union was organized by employees of the AT&T Company and Western Electric Company to promote thrift among its members by offering to them a means for making safe and regular investments and to enable members to obtain loans at a reasonable rate of interest for worthwhile purposes.
  • Bridgeway Capital
  • 707 Grant St, Suite 1920, Pittsburgh, PA, 15219
  • "Bridgeway Capital takes a market-based approach to community and economic development. We invest in people and places that mainstream finance considers too risky. Where others see risk, we see opportunity. Bridgeway provides patient, flexible capital and business education to ignite small business growth, develop communities"
  • Tri Boro Federal Credit Union
  • 600 East 8th Avenue, Munhall, PA, 15120
  • We are a full service credit union servicing nearly 15, 000 members. The philosophy of Tri Boro Federal Credit Union is to offer quality service and products to our members. Our belief is you do not have to pay high prices to deposit or access your own funds. We offer numerous financial services that hopefully will meet your every need.
  • Cooperative Federal Credit Union
  • 39 Broadway, Woodridge, NY, 12789
  • The formation of Cooperative Federal Credit Union was based on a need. It came to fruition after many hours of hard work and the untiring dedication of ordinary people, specifically the founders and members of The Cooperative Fire Insurance Companies of Sullivan and Adjoining Counties.
  • Ukrainian Selfreliance of Western Pennsylvania Federal Credit Union
  • 95 South Seventh Street, Pittsburgh, PA, 15203
  • The Ukrainian Selfreliance of Western Pennsylvania Federal Credit Union is a co-operative, not-for-profit and member-owned financial institution serving the Ukrainian American community of Western Pennsylvania. Our goal has been to serve the financial needs of our members and our community. We return excess earnings to our members.
  • IBEW Local 5 FCU
  • 5 Hot Metal Street, Suite 201, Pittsburgh, PA, 15203
  • The IBEW Local 5 FCU is a member-owned financial institution whose purpose is to promote and assist in the financial well-being of members by providing professional, personal, competitive, safe and sound financial services within the financial ability of the Credit Union, IBEW Local 5 FCU was started in 1974 by a small group of electricians.
  • M&M RE Holdings LLC
  • 1735 E Carson St, Suite 391, Pittsburgh, PA, 15203
  • A leading Pittsburgh-based hard money lender, M&M RE Holdings is owned and operated by experienced real estate professionals who are eager to help real estate investors succeed on their next rehab project. We have years of experience with the real estate market and the issues that occur during the rehabilitation process,