USDA Vs. FHA Pro and Con comparison in Utica, Oneida County, NY
In 2025, the USDA loan limit in Utica, located in Oneida, NY, is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates and determine the income, credit, reserves, and necessary documentation for qualification. Our advanced mortgage calculator helps you see USDA, FHA, Conforming, and VA programs side by side, assisting you in deciding which program is best for your financial situation in .
2025 Loan Limits and Down Payment Requirements in Utica, Oneida, 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 Choices in Utica, NY
The mission of Lendersa® is to help you quickly and smoothly find the best USDA or FHA loan. Choose one of three entry points to connect with lenders and access USDA loan programs that match your needs.
A USDA home loan is guaranteed by the Department of Agriculture and is also known as a USDA Rural Development loan or USDA mortgage. Exclusively available in rural areas, it contrasts with FHA loans that require a minimum down payment of 3.5%, as USDA loans need no down payment.
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