USDA VS FHA in Solvay, Onondaga County, NY

For 2025, in Solvay, within Onondaga county, NY, the USDA loan limit is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates, determining the income, credit score, reserves, and documents needed for qualification. This advanced mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side by side, helping choose the best option within based on your specific financial circumstances.

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2025 Loan Limits and Downpayment in Solvay, Onondaga, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional $726,200 3%

USDA and FHA Loan Pathways in Solvay, NY

Lendersa® strives to connect you with the best USDA or FHA loan efficiently and hassle-free. Choose from three starting points to match with lenders and USDA loan programs.

Results from Lendersa USDA loan applications

Understanding USDA Loans in NY

A USDA home loan, also called a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is strictly for rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA loans need no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Peach State Bank & Trust
  • 325 Washington St SW, Gainesville, GA, 30501
  • Peach State Bank & Trust is the largest true community bank in Hall County. We have a seasoned management team and a strong board of directors who are not only dedicated to our customers but to this community. We offer competitive rates, a variety of accounts - both personal and business. We hope you will call us or stop by today
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  • 2601 Limestone Pkwy, Gainesville, GA, 30501
  • "Founded in 1971 as HALLCO Community Credit Union, we grew into a full-service financial institution offering a wide range of banking products and services with branch locations in Gainesville, Oakwood, Flowery Branch and Cleveland. As the communities and the needs of the residents in the area around us expanded, so did we"
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  • 332 Washington St. NW, Gainesville, GA, 30501
  • HOMESTAR Financial Corporation is a full service mortgage banker controlling every aspect of the loan process with in house processing, underwriting, closing and funding of each mortgage transaction. Having an in-house team separates HOMESTAR from other mortgage companies because it is easier for HOMESTAR mortgage lenders to communicate quickly
  • PURE LIGHT MORTGAGE INC
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  • The Pure Light Mortgage, Inc. team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • The Mortgage Company Inc
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  • Anchor Mortgage proudly services North and South Carolina.We specialize in VA loans, FHA loans, conventional loans, refinances, commercial and investment loans, fix and flip loans and many more. We are the most creative direct mortgage lenders in the Carolina’s and have helped thousands of our clients get into the home of their dreams.
  • Coastlend Mortgage
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  • Coastlend Mortgage has been helping families since 2006 and has successfully closed more than 750 mortgage transactions. Our experience combined with exceptional customer service is what separates Coastlend from the rest. Our commitment to providing buyers with the best loans and making sure they have the best experience
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  • 815 Sixth Avenue, De Witt, IA, 52742
  • DeWitt Bank & Trust Co. wants to be your bank! We have the people, the products and the know-how to meet all of your financial needs. Looking for personal banking? Whether you are a student opening your first checking account, a couple buying your first home and starting a family, or planning for retirement, DeWitt Bank & Trust Co. is there for you
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  • As a locally owned bank, First Central State Bank is in touch with the community we serve and is responsive to the financial needs of our customers. We work hard to provide innovative solutions that give our customers, our neighbors, employers and friends, a safe and secure financial future.
  • Anderson State Bank
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  • Anderson State Bank’s operation spans three centuries of service to Knox and Henry counties. The Bank was opened in 1876 by A.B. Anderson. In 1917 the bank became incorporated under the name of Anderson State Bank. Andrew B. Anderson came to Knox County in May 1852. A native of Scotland, Andrew first stopped in Victoria
  • 1st Community Credit Union
  • 1000 W Wisconsin St, Sparta, WI, 54656
  • 1st Community Credit Union is a not-for-profit organization owned by its members...people like you. Our purpose is to provide a source of credit at a fair and reasonable rate. As a member, you are one of the owners of your Credit Union. We take pride in serving our members in the best way we know how: with friendly, personalized service.