In 2025, the USDA loan limit for Richland, situated in Oswego county, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.
The Lendersa® USDA loan calculator allows you to compare today's premier USDA and FHA rates. It helps identify the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program for your financial needs in .
2025 Loan Limits and Downpayment Requirements in Richland, Oswego County, NY
Type of Loan
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Richland, NY
Lendersa® is committed to swiftly securing the ideal USDA or FHA loan for you, devoid of hassle. Choose one of three initial pathways that lead to matching lenders and USDA loan programs.
The USDA home loan, offered through the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, is intended solely for rural areas. In contrast to FHA loans, which demand a minimum down payment of 3.5%, USDA loans require no down payment at all.
150 E. Campus View Blvd, Suite 275, Columbus, OH, 43235
Hometown Lenders is here to serve our partners by operating from the core belief that exceeding expectations is the only way to do business. We deliver this pledge of excellence through unsurpassed customer service, leading-edge technology, and expert assistance to provide the most innovative and creative mortgage financing solutions available.
3530 Snouffer Road, Suite 100, Columbus, OH, 43235
Equitable Mortgage is dedicated to client satisfaction. We are a family owned business and one of Ohio's largest lenders. We take every loan request very seriously and use our expertise to better serve you and Equitable Mortgage has simplified the loan application process. We make it easy to Apply Online.
SMART Federal Credit Union is a not-for-profit organization designed to meet the needs of ALL school employees and retired teachers in Franklin County and select surrounding counties. SMART was established in 1952 by a local principal, Ms. Edna Windom, to bring local teachers the same banking needs a bank offers WITHOUT the unnecessary fees.
Machine tool financing made simple, fast & affordable. We offer one of the best machine tool financing programs in the country. All of our machine tool financing starts with our one-page application. Looking at a used machine? No problem. We finance new and used machine tools every day.
PhysicianLoans was founded in 1993. We offer a unique product The Doctor Loan, available only to medical doctors, dentists and veterinarians. Although we are a “brick & mortar” company based in Columbus, Ohio, PhysicianLoans is licensed in 18 states. As such, each of our Loan Officers holds all the appropriate licenses to conduct business.
"Lenders Funding provides the assurance you need to grow or take on larger clients. As you increase your own source of funds, you can retire our participation, maximizing your ability to earn.
Since formation, we have worked with over 150 lenders and factors and have supplied several hundred million dollars in funding."
We’re Mt. Victory State Bank, a community bank located in the heart of Mt. Victory, Ohio. We pride ourselves on delivering professional and personalized banking solutions for every individual financial situation. Take a look around and don’t be shy. Or, stop by and learn why Mt. Victory State Bank is a more personal way to bank!
NCACU is dedicated to establishing trusting relationships with our members, and going the extra mile to help you reach your financial goals. Credit unions are democratically owned and controlled institutions based on People Helping People principles. Credit unions have no outside stockholders
Ohio HealthCare was chartered in 1973, to serve the financial needs of Riverside Methodist Hospital employees in Columbus. For years, the credit union operated out of a small office in the basement of the hospital. Eventually, RMH evolved into OhioHealth and also incorporated Grant Medical Center.
Community Choice Financial Inc.™ is a leading retailer of financial services to unbanked and underbanked consumers through a network of over 500 retail storefronts across 15 states and across more than 20 states via the Internet. CCFI focuses on providing consumers with a wide range of convenient consumer financial products and services.
