USDA VS FHA in Salina, Onondaga County, NY

For 2025, the USDA loan limit in Salina, in the county of Onondaga, NY, stands at $336,500. On the other hand, for a single-family home, the FHA limit is set at $472,030.

Make use of Lendersa®'s USDA loan calculator to effectively compare today's prime USDA vs. FHA rates. This tool assists in establishing the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the best option for your particular financial situation in .

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2025 Loan Limits and Downpayment Requirements in Salina, County of Onondaga, NY

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

Explore USDA and FHA Loan Options in Salina, NY

Lendersa® is committed to securing the best USDA or FHA loans quickly and without hassle. Begin by choosing one of three entry points that lead you to matching lenders and USDA loan programs.

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What is a USDA Loan in NY?

A USDA home loan is backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is specifically available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages do not require any down payment, offering an advantage to qualifying borrowers in these regions.

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



  • California First Mortgage Company
  • 2053 Forest Avenue, Suite 4, Chico, CA, 95928
  • Jim Wikey is the owner and Senior Loan Consultant at California First Mortgage Co. He will manage your loan process from start to finish. Company provides the excellent one-to-one service you deserve. Our interest rates and low costs are among the most competitive anywhere. Established in 1997.
  • IMS Lending
  • 120 W 2nd Street, Unit 2, Chico, CA, 95928
  • IMS Lending have been in the Real Estate and Mortgage service business for over 20 successful years. This longevity and confidence comes from our Real Estate & Mortgage services to a great many buyers and sellers, and their recommendations to others that result in repeat referral business
  • Caliber Home Loans
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  • Caliber Home Loans, Inc is a full-service national mortgage lender and agency direct seller/servicer. Caliber originates loans through various channels and transaction types, including a network of retail branches, wholesale lending, and correspondent lending,and a consumer-direct centralized operation specializing in a variety of loan
  • G P International Inc
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  • The experienced professionals of Napa Finance Group take great pride in helping our clients fulfill all their real estate and financial needs. When you establish a relationship with our team, you are not only getting a peace of mind that you are working with a team of professionals that have vast and diverse experience-you’re also gaining a team.
  • Only 1 Benji
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  • Benji Edwardson was born and raised in Redding, CA. He received his psychology degree in 2004 from Simpson University and wanted to go into counseling. He took a job at a local mortgage office in 2004 and decided this was his career.His wife Jamie is a local Real Estate agent that was also born and raised in Redding.
  • Golden Valley Bank
  • 190 Cohasset Road, Suite 170, Chico, CA, 95926
  • At Golden Valley Bank we pride ourselves on delivering an experience unlike any other. Take our commitment to customers, staff and community - the foundation of true community banking. It's our passion to help businesses grow, help make dreams a reality and better our local economies.
  • Russell Street, Mortgage Broker
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  • Providing Low Rate, No Hassle Mortgages throughout Colorado, Texas, and California. Whether you need the mortgage to buy a home, or are looking to refinance for a better rate, or take some cash out of your property, Russell Street can help. We work with you to find the right program and secure low market rates to make sure you are paying.
  • Home Loans By Shan
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  • Home Loans By Shan. Local expertise and broad real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources offered here. Home Loans By Shan's the objective here is to work diligently to assist you in meeting your real estate goals.
  • Elemental Home Mortgage, LLC
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  • Award Home Loans of Roseburg
  • 1043 NE Stephens St, Suite 101, Roseburg, OR, 97470
  • Award Home Loans of Roseburg we are committed to assisting our clients with the highest quality home loans. We listen to you fitting the mortgage to your personal financial goals. We are located in Roseburg and are available to serve anyone throughout the state of Oregon, but specializing in Douglas County and the I-5 corridor.