In 2026, the USDA loan limit for Shelby, situated in Orleans county, NY, is $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.
Take advantage of the Lendersa® USDA loan calculator to contrast today's USDA and FHA rates. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you choose the best program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Shelby, Orleans County, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Shelby, NY
Lendersa® aims to connect you with the best possible USDA or FHA loans quickly and effortlessly. Choose one of three starting points to find matching lenders and USDA loan programs.
A USDA home loan is backed by the government Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans that need at least a 3.5% down payment, the USDA mortgage requires no down payment.
First Oklahoma Federal Credit Union (FOKFCU) is a federally insured credit union. We offer membership to all persons who live, work (or regularly conduct business), worship or attend school in, and businesses and other legal entities located in Tulsa or Creek Counties, Oklahoma. FOKFCU has been serving its members since 1923.
When you become a DFCU member, you become an owner of the credit union and your money begins working for you. Our experienced staff works closely with our Board of Directors to watch the financial market and make careful decision about how to best strengthen our member's financial futures.
"We are a privately owned full service mortgage origination and servicing company that is dedicated to customer service.
Mortgage Clearing’s employees are dedicated professionals that pride themselves in the quality customer service and support that we have become known for. Our customers tell us they are impressed with our knowledgeable"
At Oklahoma Central, you'll find the same wide range of banking choices you'd expect from any financial institution and a commitment to our community that you’d expect from your neighbors.
The Mission of Oklahoma Central Credit Union is to make a difference in the lives of our employees, members and the communities we serve.
6600 South Yale Avenue, Suite 101, Tulsa, OK, 74136
Saint Francis Federal Credit Union was founded in 1969 to serve the employees, staff physicians, and volunteers of Saint Francis Hospital. Over the years other select employee groups including healthcare related and non-health care related companies have been added to the field of membership.
Energy One FCU is a not-for-profit organization invested in the in the mission to helping their members 'Catch their Dreams'. Built on traditional values and offering a full range of financial products and services for individuals, families and businesses. Though we are hold true to the personal feel of credit union banking.
ZFG Mortgage headquartered in Tulsa Oklahoma is commonly recognized as the states premier mortgage lender. ZFG offers FHA, USDA, Conventional and Non-conventional home mortgage loans. Our loan officers have 33 years of mortgage lending experience with wholesale mortgage banks & mortgage lenders and are licensed to close home loans.
AMC’s focus is on creating the very best experience for our clients and our employees during the process of obtaining a home mortgage. As a team, we are committed to creating a referable experience for our clients and referral partners. We place the highest value on our internal and external relationships and are grateful for the reputation.
6911 Washington Avenue, Suite B, Ocean Springs, MS, 39564
FBT Mortgage (FBTM) is a wholly owned subsidiary of First Bank and Trust headquarted in New Orleans, Louisiana. FBTM offers traditional mortgage products as well as unique solutions that are customized to the special needs of clients. FBTM offers Conventional Mortgage financing as well as Veterans Administration (VA), FHA, USDA loans.
Matthew Bouchard President Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice
At Water’s Edge Federal Credit Union, we proudly serve the coastal counties of South Mississippi. Established in 1953 as the Harrison County Post Office Employees Federal Credit Union, we have expanded to serve the Gulf South Region as a safe haven for Savings Accounts, Loans and Certificates.
