For 2025, in Sandy-Creek within Oswego county, NY, the USDA loan limit is set at $285,000, whereas the FHA loan cap for a single-family residence is $356,362.
Leverage the Lendersa® USDA loan calculator to evaluate the best current rates of USDA versus FHA loans. It lets you understand the income, credit score, reserves, and paperwork needed for eligibility. Our advanced mortgage calculator helps by displaying USDA, FHA, Conforming, and VA options side by side, allowing you to choose the best plan for your financial circumstances in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to swiftly secure the best USDA or FHA loan for you, without fuss. Begin with one of three pathways to match with lenders and USDA loan offerings.
The USDA home loan is backed by the government’s Department of Agriculture and often called a USDA rural development loan or USDA mortgage. It is exclusively available for rural areas. While FHA loans necessitate a minimum down payment of 3.5%, USDA mortgage loans don't require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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