USDA VS FHA in Solvay, Onondaga County, NY

For 2026, 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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2026 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?



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  • Extra Credit Union is a Federally Insured State Chartered Credit Union with assets of some $322 million and nearly 20, 000 members. We were founded by a small group of educators in 1954. and also At Extra Credit Union, you'll find more than innovative financial products and banking services tailored to your life, needs and financial goals.
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  • Discover Sistar Mortgage, a premier mortgage company in Michigan dedicated to securing your future. Our expert team provides a comprehensive range of mortgage products, ensuring personalized support from pre-qualification to loan verification. With Sistar Mortgage, experience a seamless and transparent journey to homeownership. Contact us at 1 888-
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  • In 1909, F.L. Berry and John Wiley founded The Farmers Bank. Six years later, The Farmers State Bank of West Salem was organized and incorporated. Original directors included F.L. Berry, W.H. Horst, N.W. Zimmerman, J.H. Wiley, J.A. Hines, W.S. Zehner, O.B. Dreibelbis, J.L. Van Evera and S.A. Read. The Farmers State Bank continued to expand
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