USDA Vs. FHA Pro and Con comparison in Richland, Oswego County, NY
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.
Wheatland Bank, a locally owned community Bank with a regional footprint, is nationally recognized as one of the strongest Banks in the nation. With decades of experience in providing customized Banking services to businesses throughout eastern and central Washington, Wheatland Bank stands ready to help make your vision a reality.
Jack Tenold will put his 26 years of experience to work for your benefit & he considers it a privilege to work with senior homeowners & their families. Getting information or applying for a reverse mortgage does not have to be an ordeal. It is easy to apply in person or over the phone. You can trust that Jack will always put your interests first.
After the market collapse of 2008 we, like everyone else, saw that the mortgage industry was broken. Reform was slow and we realized the only way to change anything was to start from the inside. So we set out to build a company that not only helped consumers obtain a mortgage but educated them on the process.
Chimney Rock Mortgage is a family-owned company that emphasizes community relationships, honesty, and integrity. Since our founding in 1989 by Don Mann, Chimney Rock Mortgage has been dedicated to cultivating trust and practicing responsible lending principles. For 30 years, that proven dedication and trust has given our branches.
456 LEND is a Northwest Equity Solutions Inc. company. 456 LEND offers some of the lowest rates nationwide making the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Spokane area. Our team is your premier mortgage team located in Spokane, Washington.
Global continues to meet member needs by offering innovative products and services, low rates, few fees and excellent service. By monitoring purchasing trends, lifestyle changes and other indicators, we gain an understanding of what our members want from their credit union. We work diligently to deliver the best deposit and loan products.
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Preferred Capital Investors, LLC is a leading nationwide hard money lender dedicated to empowering real estate investors with the essential capital needed to fuel their ventures. We offer up to 100% financing on purchase and rehab loans, ground up construction loans, DSCR's and more
Spokane Firefighters Credit Union was founded by Spokane Firefighters in 1934, during the Great Depression. This was a time when trust in banks was at an all time low and Americans with common interests banded together to form their own financial cooperatives. While many credit unions have expanded their membership fields
