USDA Vs. FHA Pro and Con comparison in Shelby, Orleans County, NY
In 2025, 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 .
2025 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.
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