USDA Vs. FHA Pro and Con comparison in Sidney, Delaware County, NY
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 .
2025 Loan Limits and Downpayment Requirements in Sidney, Delaware, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
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.
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.
Cooperative Federal is a unique combination of a traditional credit union and a non-profit community development organization. Becoming a member of Cooperative Federal is making a choice to build our local community and to advance social justice. and Cooperative Federal is deeply involved in efforts to revitalize our community.
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.
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.
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.
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.
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.
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.
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
CORE Federal Credit Union has been open since 1959. The credit union has assets totaling $134.55 Million and provides banking services to more than 9, 000 members.
The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups
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.
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
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
