USDA VS FHA in Sandy-Creek, Oswego County, NY

In 2025, USDA loan limit in Sandy-Creek, county of Oswego, NY is $285,000 while FHA limit is $356,362 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Sandy-Creek, county of Oswego, NY

Loan Type Loan Limit Down payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA loan options in Sandy-Creek, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



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  • Gerard Mortgage LLC, your Texas home loans experts dedicated to making your home purchase or refinance experience is top-notch. Our mission is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.
  • Hemingford Co-Operative Federal Credit Union
  • 801 Box Butte Avenue, Hemingford, NE, 69348
  • On March 29, 1951, the Hemingford Co-Operative Federal Credit Union was granted its charter by the Bureau of Federal Credit Unions. The credit union has assets totaling $9.92 Million and provides banking services to more than 1, 000 members. The credit union is a member-owned financial cooperative providing banking services including savings
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  • 2535 N.E. 28th Street, Fort Worth, TX, 76106
  • The National Bank of Texas has maintained the same long-term vision. We are a locally owned, independent, community bank that understands the needs of the area and communities we serve. We provide prompt, courteous service, and always strive to establish long-term relationships with our customers.
  • First National Bank Mortgage
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  • First National Bank has been a community partner since opening our first location in Wichita Falls in 1986. In the years since, we have grown to seven banking centers and five mortgage offices. Our asset size has increased to over $892 million and we have over 150 employees in the communities we serve.
  • Minter Mortgage, Inc.
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  • "At Mansfield Mortgage, we understand the home-buying experience can be both exciting and stressful. After all, it’s probably your biggest investment. Let our experts help take the stress out of the mortgage process. From application to closing, we’ll work hand in hand to make your financial decisions easier and smarter."
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  • 5500 East Loop 820 South, Suite 101A, Fort Worth, TX, 76119
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  • In 1955, a group of Tarrant County employees came together to fulfill their vision - the creation of a credit union to serve the unique needs of Tarrant County staff members. Since that time, TCCU has grown into an award-winning $104M credit union, serving over 11, 200 members and We're now in five Tarrant County facilities.
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