USDA and FHA Pro and Con in Starkey, Yates County, NY

In 2026, the USDA loan limit for Starkey, located in Yates County, NY, stands at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize Lendersa®’s USDA loan calculator to evaluate and compare today's leading USDA versus FHA rates. Determine necessary income, credit, reserves, and required documents to qualify. Our advanced mortgage calculator allows side-by-side comparison of USDA, FHA, Conforming, and VA programs, which aids in choosing the best option for your specific financial circumstances in .

Explore loan offers from 100 lenders

2026 Loan Limits and Downpayment Requirements in Starkey, Yates, 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 Starkey, NY

Lendersa® aims to help you find the ideal USDA or FHA loan swiftly and without hassle. Choose from one of three starting points to connect with matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, guaranteed by the U.S. Department of Agriculture—also referred to as a USDA rural development loan or USDA mortgage—is exclusively available in rural locales. Unlike FHA loans, which require a minimum of 3.5% down payment, the USDA mortgage requires no down payment at all.

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



  • The Bank of Glen Burnie
  • 106 Padfield Blvd, Glen Burnie, MD, 21061
  • Since opening our doors in 1949, The Bank of Glen Burnie® has been committed to meeting customers’ needs. In fact, it’s at the heart of everything we do! Although the banking industry continues to undergo rapid changes, we believe the best way to meet our commitment is by remaining an independent, community bank.

  • Bay Country Financial Services
  • 6619 Ritchie Hwy, Suite 13, Glen Burnie, MD, 21061
  • Bay Country Financial Services is the company to trust for fast, flexible, confidential financial services. We offer personal, consolidation, automobile, boat, trailer, RV, motor-home, and motorcycle loans.

    We have more than 100 years of combined experience helping people just like you navigate the loan process expertly.

  • Arundel Federal Savings Bank
  • 655 Crain Highway S, Glen Burnie, MD, 21061
  • Our mission is to be the community Bank of choice providing homeownership and Banking services with extra-ordinary service, delivery, convenience and ease. We help our customers achieve their financial goals of saving for a future event, whether it be their education, wedding, buying a home or retirement.

  • Alternative Capital Funding
  • 1916 South Crain Highway, Glen Burnie, MD, 21061
  • Alternative Capital Funding is a Nationwide Commercial Real Estate Lending Company. We provide Commercial Real Estate financing for Businesses, Investors, Organizations and Individuals. Our Corresponding Lending status allows us to provide Conventional Commercial loans, SBA 7A/504 loans, Low Doc Loans and Bridge Financing nationwide.

  • Service 1st Mortgage, INC
  • 14515 Madison Park Dr, Suite 2, Glen Burnie, MD, 21061
  • Service 1st Mortgage is a mortgage broker located in Glen Burnie, Maryland, 30 minutes north of Washington DC and 20 minutes south of Baltimore. Our company serves the lending needs of prospective home buyers and current homeowners through specialized mortgage products that offer the best rates and lowest costs.

  • The Mortgage Capital Group
  • 982 Montauk Highway, Suite 3, Bayport, NY, 11705
  • The Mortgage Capital Group can help you achieve your goals. By matching the financial goals of our clients with the innovative products of national, regional and boutique lending institutions we shall ensure quality and value throughout the collateralized residential and commercial mortgage process.

  • Century Savings Bank
  • 1376 W. Sherman Avenue, Vineland, NJ, 08360
  • Century Savings Bank has grown from a small building and loan association in Bridgeton, NJ with just a few thousand dollars, to a friendly, multi-million dollar financial force operating from a network of six branches throughout southern New Jersey with locations in Elmer, Gibbstown, Mullica Hill, Upper Deerfield Twp, and Vineland.

  • Members 1st of NJ Federal Credit Union
  • 37 West Landis Avenue, Vineland, NJ, 08360
  • Members 1st of NJ Federal Credit Union was formed in 1938 as the Cumberland Teachers Federal Credit Union. Our founders saw the need for a not-for-profit and democratically operated cooperative that would provide lower cost financial services, as well as represent the best financial interests of its members.

  • Bay Atlantic Federal Credit Union
  • 101 West Elmer Road, Vineland, NJ, 08360
  • BAFCU is a member owned, not for profit, financial cooperative chartered in 1939. We are dedicated to providing members with a full range of high-quality personal financial products and services at the lowest cost possible. We currently serve the employees and members of 200 local businesses and organizations.

  • Suffolk Federal Credit Union
  • 3681 Horseblock Rd, Medford, NY, 11763
  • Suffolk Federal Credit Union is committed to a relationship with our members based on trust and respect as we deliver Better Banking for Long Island. We understand that each of our members has their own dream or vision of what they want to accomplish financially, whether it's the purchase of a new home or new car.

  • Precision Federal Credit Union
  • 7 Optical Avenue, Keene, NH, 03431
  • FCU was established as a select employee group (SEG) credit union in 1953 to provide financial services to MPB (now known as Timken) employees and their family members.

    As a not-for-profit institution, all profits earned from operations are returned to members in the form of lower fees, better rates, and more services and dividends.

  • APL Federal Credit Union
  • 11050 Johns Hopkins Road, Laurel, MD, 20723
  • Our members entrust us with the enormous responsibility of helping them reach their financial goals. Everyone at APL FCU works tirelessly to be worthy of that trust, and to create the best member experience possible. If you live, work, regularly conduct business in or attend school in Howard County, Maryland.