USDA Vs. FHA Pro and Con comparison in Seneca-Falls, Seneca County, NY

In the year 2025, the USDA loan limit in Seneca-Falls, within Seneca, NY, is $285,000. The FHA limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today’s leading USDA versus FHA rates. Identify the necessary income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you decide the optimal program for your financial situation in .

Review loan offers from 100 diverse lenders

Loan Limits and Downpayment Requirements for 2025 in Seneca-Falls, Seneca, NY

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

Discover USDA and FHA Loan Options in Seneca-Falls, NY

Lendersa® aims to provide the best possible USDA or FHA loan quickly and without hassle. Choose from three starting options to connect with matching lenders and appropriate USDA loan programs.

Results from Lendersa USDA loan requests

What is a USDA Loan in NY?

A USDA home loan is guaranteed by the Department of Agriculture, known as a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans require none, offering a major benefit.

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



  • Capital Funding Corporation of America
  • 515 South Flower Street, Los Angeles, CA, 90071
  • Capital Funding Corporation of America is a direct lender that provides customized debt financing solutions to real estate professionals taking advantage of current market opportunities. Our primary goal is to provide secured real estate loans quickly, efficiently, and at competitive rates.
  • Thorofare Capital, Inc.
  • 633 West Fifth St., Suite 2200, Los Angeles, CA, 90071
  • Thorofare Capital, Inc. is a Los Angeles-based commercial real estate loan origination and servicing company. The firm focuses on $5 million to $100 million financing transactions, targeting value-add and opportunistic acquisitions, recapitalizations, and distressed debt secured by transitional properties
  • J and J Mortgage
  • 908 Taylorville Road, Suite 200, Grass Valley, CA, 95949
  • Jessica Burton, started this company in 2011 because she believed she could make a difference in the mortgage industry. She started out by herself working out of her garage with a dream of running a company that offered exceptional service and a wealth of knowledge. Today she has just that, a team of people who challenge themselves.
  • Golden State Home Loans
  • 10076 Alta Sierra Dr., Grass Valley, CA, 95949
  • Golden State Home Loans is a Mortgage Broker NMLS #1839739. Helping First Time Home Buyers and Existing Home Owners acquire Lower Interest Rate and Lower Fee Home Loans Broker NMLS #1839739. Helping First Time Home Buyers and Existing Home Owners acquire Lower Interest Rate. Whether you’re buying, selling, refinancing, or building your dream home
  • Camino Financial
  • 309 E 8th Street, Suite 601, Los Angeles, CA, 90014
  • "Camino Financial is an online finance company offering business loans and solutions to help small businesses grow. Camino Financial advises small businesses on getting access to capital and building their business credit. The Company provides up to $500, 000 in business funding and assists its clients in applying for financing."
  • Unify Home Loans
  • 621 South Spring Street, Suite PH1010, Los Angeles, CA, 90014
  • At Unify Home Loans, we not only find you the right loan we also get you connected to a real estate professional, in the neighborhood you desire. With an extensive network of agents in the Greater Los Angeles area and Orange County, we can get you connected with one that has extensive knowledge of your desired location.
  • Smart Money Broker, Inc.
  • 530 W 7th St, Suite PH2, Los Angeles, CA, 90014
  • We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.
  • Paradise Private Money
  • 610 S. Main Street #PH212, Los Angeles, CA, 90014
  • Paradise Private Money is a boutique private money mortgage firm specializing in filling the needs of small to medium sized real estate investors on both the buyer and trust deed investor side. This company was formed to simplify and streamline the process of securing funds for investing in real estate.
  • Dream House Lending
  • 5001 California Ave, Suite 218, Baskersfield, CA, 93309
  • Dream House Lending is the place for you. We make it easy and fast to get pre-approved for your loan. You can apply online or over the phone in just minutes, so there’s no reason not to! Plus, we have a network of lenders that are ready to help you. Our lenders will work with you every step of the way – from finding out what kind of home loan wo