USDA Loan Vs. FHA loan pro & con Southport, Chemung County, NY

In 2025, the USDA loan limit for Southport, county of Chemung, NY is set at $336,500, whereas the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's top rates between USDA and FHA. Determine the necessary income, credit scores, reserves, and documents needed to qualify. Our advanced calculator offers a view of USDA, FHA, Conforming, and VA options side by side, assisting you in finding the best program for your financial need in .

USDA and FHA Loan Options in Southport, NY

The goal of Lendersa® is to quickly secure the best USDA or FHA loan for you without hassle. Choose from three starting points that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, also called a USDA rural development loan or USDA mortgage, is guaranteed by the government Department of Agriculture and available solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans require no down payment.

Get top 10
USDA LENDERS
customized to yout needes

(570) 446-9078 Lender's profile and map Reviews Getz Mortgage, Inc. 480 Pierce Street, Suite 306, Kingston, PA, 18704 Getz Mortgage, Inc., based in Kingston, is a Pennsylvania Licensed Mortgage Broker, owned and operated by Jesse Getz. The company focuses on purchase, refinance and new construction mortgages in Northeastern and Central Pennsylvania. With over 25 years of experience in the mortgage lending industry.
(570) 752-3671 Lender's profile and map Reviews First Keystone Community Bank 111 West Front Street, Berwick, PA, 18603 First Keystone Community Bank, a subsidiary of First Keystone Corporation (Stock Symbol: FKYS.ob), has been owned and operated by local men and women since 1864. First Keystone Community Bank has grown from one 18'x 25' building in Berwick to eighteen full-service offices throughout Columbia, Luzerne, Monroe and Montour Counties.
(800) 538-3847 Lender's profile and map Reviews Whitehall Mortgage Financial 306 S Keyser Ave, Old Forge, PA, 18518 Whitehall Mortgage has been providing Residential Home Mortgage Loans throughout the Commonwealth of Pennsylvania for over three decades. The father and son duo, Douglas and Dallas, use their Northeasten PA roots and knowledge to best serve this area with the best mortgage service.
(570) 428-3750 Lender's profile and map Reviews West Milton State Bank 940 High Street, West Milton, PA, 17886 Susquehanna Community Bank was founded March 13, 1920, with 201 accounts and resources of $49, 000 in the village of West Milton, PA along the Susquehanna River. As our resources grew, so did our success. In 2020, we were ranked 63rd in the Nation as a Top Community Bank by US Banker Magazine
(570) 784-1660 Lender's profile and map Reviews First Columbia Bank & Trust Co. 232 East Street, Bloomsburg, PA, 17815 First Columbia Bank & Trust Co. has been Columbia County’s community bank for nearly 120 years. With more than $709.5 million in assets as of December 31, 2017, First Columbia offers a full complement of banking and financial services to individuals and businesses throughout Columbia and Montour Counties and the surrounding area.
(315) 469-5599 Lender's profile and map Reviews Secny Federal Union Mortgage Department PO Box 15040, Syracuse, NY, 13215 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.
(888) 272-5543 Lender's profile and map Reviews Navient Corporation PO Box 9000, Wilkes Barre, PA, 18773 Navient (Nasdaq: NAVI) is a leader in education loan management and business processing solutions for education, healthcare and government clients at the federal, state and local levels. The company helps its clients and millions of Americans achieve financial success through services and support.
(570) 825-2640 Lender's profile and map Reviews SNFCU 254 South Washington Street, Wilkes Barre, PA, 18701 The Saint Nicholas Federal Credit Union is a member of the Northeast Pennsylvania Chapter of Credit Unions. Federal credit unions are regulated by the National Credit Union Administration. A federal examiner audits the operation of each credit union once a year. Saint Nicholas Federal Credit Union has been a Federal credit union since 1938.
(570) 825-1790 Lender's profile and map Reviews Luzerne County Federal Credit Union 20 N Pennsylvania Boulevard, Wilkes Barre, PA, 18701 Luzerne County Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the Luzerne County Federal Credit Union will continue a sound yet progressive asset management strategy.
(570) 823-6151 Lender's profile and map Reviews Corner Post Federal Credit Union 566 South Main Street, Wilkes Barre, PA, 18701 The Credit Union was established as The Wilkes-Barre Federal Credit Union on March 7, 1936 for employees of the Wilkes-Barre Post Office and other Luzerne County Post Offices. It wasn’t until 1970 that Corner Post FCU opened its first office on a part-time basis. In 1971, we reached a major milestone of our first million dollars in assets.
(570) 826-8244 Lender's profile and map Reviews CityMark FCU 225 S River Street, Plains, PA, 18705 CityMark FCU We were originally founded to serve the employees and family members of Wilkes-Barre City. Over the years, we have included Plains Township and Wilkes-Barre Township employees and their family members. In 2016, we were granted a community charter that allows us to serve anyone who lives, works, worships.
(570) 955-1700 Lender's profile and map Reviews Peoples Security Bank and Trust Company 150 North Washington Avenue, Scranton, PA, 18503 Peoples Security Bank & Trust Company is headquartered in Scranton, Pennsylvania, and is one of the largest community banks in Eastern Pennsylvania, with a footprint stretching from Binghamton, New York down through the Endless Mountains into the Greater Scranton Area, the Poconos, Lehigh Valley, Greater Delaware Valley, Greater Pittsburgh Region i