For 2026, the USDA loan limit in SUNY-Oswego, Oswego county, NY, is $285,000, whereas the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to compare the most favorable USDA and FHA rates available today. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, helping you to select the best program suited to your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The goal of Lendersa® is to help you secure the best possible USDA or FHA loan promptly and with ease. Choose one of three starting points that lead to matches with lenders and the USDA loan programs.
A USDA home loan, backed by the government Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is available exclusively in rural areas. Unlike FHA loans that demand a minimum 3.5% down payment, USDA loans require no down payment, which presents a significant benefit for eligible borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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