FHA Vs. USDA loan program for Utica, Oneida County, New York

In 2026, 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 .

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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

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.

Get top 10
USDA LENDERS
customized to yout needes

(833) 574-0750 Lender's profile and map Reviews Best Capital Funding- Rancho Cucamonga 11023 Eucalyptus Street, Suite 100, Rancho Cucamonga, CA, 9173 Best Capital Funding- Rancho Cucamonga Our mission is to be the premier Mortgage banker in the communities we serve. We are dedicated to promoting the American Dream and devoted to cultivating genuine personal relationships by partnering with our customers to fulfill their unique financial needs.
(928) 913-8100 Lender's profile and map Reviews Coconino Federal Credit Union 2800 S. Woodlands Village Blvd, Flagstaff, AZ, 86001 Established in 1955 Coconino Federal Credit Union began in 1955 as a teachers credit union. Over the years we have grown to be the only financial institution based in Coconino County and open to everyone in Coconino County. We still use the original foundation for the credit union- People Helping People!
(435) 865-2300 Lender's profile and map Reviews State Bank of Southern Utah 377 North Main St., Cedar City, UT, 84751 State Bank of Southern Utah was founded in 1957 by community leaders who saw a need for a bank to service their local financial needs. The ability to make local decisions on loans and financial services has always been at the center of the bank's culture and business model. Today, State Bank has 16 locations in 14 different cities and towns.
(435) 590-3685 Lender's profile and map Reviews Garrett Mortgage 2202 N Main St, Suite 104, Cedar City, UT, 84721 Garrett Mortgage offers a wide range of mortgage options to meet your financial needs and circumstances. Whether you’re a first-time property buyer or interested in refinancing your mortgage, I’m here to guide you through the process. Contact me today and learn what I can do for you.
(520) 384-2822 Lender's profile and map Reviews Cochise Credit Union 170 N. Haskell, Willcox, AZ, 85643 Cochise Credit Union was state chartered in 1958 in Willcox, AZ to serve the financial needs of Sulphur Springs Valley Electric Cooperative (SSVEC) employees and their families. Over the years the credit union has expanded their field of membership to serve the following zip codes: 85643, 85644, 85625, 85605, 85606,
(435) 586-0063 Lender's profile and map Reviews Cedar Woods Financial 1115 S Main Street, Cedar City, UT, 84720 Cedar Woods Financial, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family
(208) 665-5999 Lender's profile and map Reviews Bank CDA 912 Northwest Boulevard, Coeur D Alene, ID, 83814 Bankcda is your hometown bank. We are proud that decisions are made locally allowing us to deliver expertise and flexibility to our communities. We are your neighbors and are committed to the success of local businesses and families by delivering high-quality service and products.
(208) 765-0284 Lender's profile and map Reviews Mountain West Bank 101 Ironwood Dr, Suite 210, Coeur D Alene, ID, 83814 Mountain West Bank officially opened at the corner of Government Way and Ironwood Drive in Coeur d’Alene, Idaho. Today, the bank that originally operated from inside a trailer now serves Idaho and Washington. Since its founding days, Mountain West Bank has been dedicated to the mission of providing customers with Legendary Customer Service.
(208) 667-3374 Lender's profile and map Reviews All American Liberty Mortgage Inc 315 East Indiana Avenue, Coeur D Alene, ID, 83814 Our resourceful and skilled team at All American Liberty Mortgage is eager to help you reach your dreams. We are locally owed and operated and are happy to assist you with your home financing needs. Give us a call and stop by and see our historic building and what terrific loan products we have to offer.
(208) 664-9260 Lender's profile and map Reviews YES MORTGAGE 2426 N Merritt Creek Loop, Suite A, Coeur D Alene, ID, 83814 YES MORTGAGE is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
(208) 640-5626 Lender's profile and map Reviews Lake City Mortgage 1875 N Lakewood Dr, Suite 102, Coeur D Alene, ID, 83814 At Lake City Mortgage, our mission is to set a high standard in the mortgage industry of Spokane. We are committed to quality customer service - putting the people in Washington and Idaho we serve first. Our goal is to carefully guide you through the real estate loan process, so that you can confidently select the best mortgage for you.