As of 2025, 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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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