FHA Vs. USDA loan program for Sidney, Delaware County, New York

As of 2026, the USDA loan limit in Sidney, Delaware county, NY is $336,500, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates, and identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping you decide the best program for your financial needs in .

USDA and FHA Loan Options in Sidney, NY

The target of Lendersa® is to quickly secure the most suitable USDA or FHA loan for you, with no hassle. Choose from three starting points to connect with matching lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, also known as a rural development loan or USDA mortgage, is backed by the government Department of Agriculture and is exclusive to rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans require no down payment at all.

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(315) 469-5599 Lender's profile and map Reviews Secny Federal Union Mortgage Department PO Box 15040, Syracuse, NY, 13215 SECNY FEDERAL CREDIT UNION the credit union is a member-owned, non-profit, full-service financial institution. SECNY maintains its focus on education and commitment to going beyond just providing financial services. Any person working, living, worshipping, attending school, businesses and legal entities.
(570) 344-1513 Lender's profile and map Reviews Spojnia Credit Union 1006 Pittston Avenue, Scranton, PA, 18505 Spojnia Credit Union is a state-chartered, not-for-profit, full-service financial institution that is member-owned & controlled through a board of directors. The voluntary board, elected by the membership, establishes and revises the credit union’s policies and sets dividend rates so that you can earn more when you save & pay less when you borrow.
(570) 207-6334 Lender's profile and map Reviews Invicta Mortgage Group 230 Prospect Ave, Scranton, PA, 18505 We are a local company servicing Pennsylvania and Florida with more ease and flexibility than out-of-the box solutions. Our expertise is at your disposal. We take pride in personally handling your specific needs and walking you through the entire process.vania and Florida with more ease and flexibility than out-of-the box solutions.
(570) 207-6334 Lender's profile and map Reviews Invicta Mortgage Group, Inc 230 Prospect Ave, Scranton, PA, 18505 We are a local company servicing Pennsylvania and Florida with more ease and flexibility than out-of-the box solutions. Our expertise is at your disposal. We take pride in personally handling your specific needs and walking you through the entire process.vania and Florida with more ease and flexibility than out-of-the box solutions.
(866) 746-1011 Lender's profile and map Reviews PS Bank PA 76 Church St, Wyalusing, PA, 18853 PS Bank opened for business on December 14, 1914 as Peoples State Bank of Wyalusing. The Bank was the 444th bank to be insured by the Federal Deposit Insurance Corporation and maintains that same FDIC number today. PS Bank is one of the oldest banks in the country. In 1998, the Bank opened an insurance and investment products division.
(570) 746-1011 Lender's profile and map Reviews PS Bank 76 Church Street, Wyalusing, PA, 18853 PS Mortgage is a full service mortgage lender. Member FDIC and Equal Housing Lender.. PS Mortgage is the most efficient and simplest way to manage buying a home. Everyone as PS Mortgage worked extremely hard to get me the home I wanted. There was consistent communication, and they went above and beyond when things didn't go according to plan.
(315) 445-2300 Lender's profile and map Reviews Countryside Federal Credit Union 5720 Commons Park Drive, East Syracuse, NY, 13057 Countryside Federal Credit Union has been open since 1941. The credit union has assets totaling $164.5 Million and provides banking services to more than 5, 000 members. The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member
(315) 449-0353 Lender's profile and map Reviews Community Bank, N.A. 5821 Bridge Street, East Syracuse, NY, 13057 Community Bank System Inc. (NYSE:CBU) is a full-service financial institution with more than 215 customer locations across New York, Pennsylvania, Vermont & Massachusetts, where we’re known as Community Bank, N.A. With over $13 billion in assets, we have the resources to finance a wide range of personal, small business & commercial business needs.
(315) 671-4000 Lender's profile and map Reviews Money Federal Credit Union 100 Madison Street, Syracuse, NY, 13202 Mutual of New York Life Insurance Company (MONY) employees founded Money Federal Credit Union in 1976. Credit unions were built on the philosophy of “people helping people.” Money FCU takes that mission statement to the core of how we run our business. It’s about people, community, and sharing resources
(866) 870-2612 Lender's profile and map Reviews MHD Empire Service Corp. 300 South State St, Suite 1000, Syracuse, NY, 13202 At MHD Empire Service Corp. We are a sister company of Haylor, Freyer & Coon, one of the largest independent insurance agencies in the Northeast. Founded in 1983, MHD Empire Service Corp. was established to assist retailers, community owners and individuals in securing quality financing and insurance for
(315) 314-1075 Lender's profile and map Reviews CNY MBA, Inc. 120 Madison St, 18th Fl, Syracuse, NY, 13202 The Central New York Mortgage Bankers Association is gearing up for our upcoming year. Whether you are a mortgage banker, mortgage broker, appraiser, attorney, credit professional, homebuilder, home inspector, insurance agent, realtor or title insurer, a CNY MBA membership offers you a forum for business and social exchange.
(315) 471-4621 Lender's profile and map Reviews Syracuse Fire Department Credit Union 211 Wilkinson Street, Syracuse, NY, 13204 The Syracuse Fire Department Credit Union was chartered on March 24, 1950. Since that day, we have proudly served professional firefighters in Syracuse and surrounding communities. Today, our membership primarily consists of profesional firefighters, police officers, emergency responders and other small businesses from around Central New York.