During 2026, the loan limit for USDA in Sodus, located in the county of Wayne, NY, is $336,500. In contrast, for a single-family home, the FHA ceiling is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA vs. FHA rates and assess the income, credit, reserves, and documents needed for eligibility. Our cutting-edge mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, aiding you in choosing the optimal program 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 aim of Lendersa® is to obtain an ideal USDA or FHA loan for you swiftly and without complications. You can choose from three beginnings that lead to suitable lenders and USDA loan options.
A USDA home loan, backed by the Government Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is accessible exclusively in rural areas. In contrast, unlike FHA loans that demand a minimum of 3.5% down payment, no down payment is required for a USDA mortgage loan.
Enter your location to find out if it qualifies for USDA rural housing loan?
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