USDA Loan Vs. FHA loan for Utica, NY 2025

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 .

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.

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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.

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(703) 526-0200 Lender's profile and map Reviews Arlington Community Federal Credit Union 2130 N Glebe Rd, Arlington, VA, 22207 Ever since we started in 1952, we have been passionate about empowering the financial lives of our members and giving back to our local community. It's who we are. Guided by our shared values, today our commitment is stronger than ever to provide remarkable service to each and every member, while continuing to provide a full array of financial prod
(833) 377-3281 Lender's profile and map Reviews Delaware State Police Federal Credit Union 700 N Bedford Street, Georgetown, DE, 19947 The Delaware State Police Federal Credit Union was founded in 1960. The idea was to create a financial institution, whose purpose was and is to protect and help Delaware’s most precious resource, our troopers, lead financially successful lives. In the years since, we have grown and developed into an organization that honors all of those that serve.
(703) 584-0840 Lender's profile and map Reviews John Marshall Bank 1943 Isaac Newton Square East, Suite 100, Reston, VA, 20190 JMB is a commercial-focused community bank serving businesses and consumers in Northern VA, Maryland, and DC. Our presence is found in the businesses that fuel the local economy. We’re in the background, championing nonprofits and helping them drive their mission forward. But what truly sets us apart is our team.
(703) 885-0850 Lender's profile and map Reviews Guidance Residential 11107 Sunset Hills Road, Suite 200, Reston, VA, 20190 Guidance Residential specializes in Shariah-compliant home financing in the U.S. Our unique Declining Balance Co-ownership Program was created under the guidance of 7 globally renowned Shariah scholars & 18 U.S. law firms to ensure it meets strict adherence to legal jurisprudence of Islamic faith & conforms to U.S. legal & regulatory requirements.
(800) 213-8982 Lender's profile and map Reviews Mortgage X Home Loans 1984 Isaac Newton Square W, Suite 304, Reston, VA, 20190 Mortgage X Home Loans As the Mortgage Lending has evolved so have we. Mortgage regulations and guidelines are constantly changing. We are on top of the information wave. Great rates, low cost and customer satisfaction is standard business based on our model. We strive to provide more.Established in 2002.
(724) 869-3342 Lender's profile and map Reviews Ambridge Area Federal Credit Union 401 State Street, Baden, PA, 15005 Ambridge Area Federal Credit Union, NMLS# 785073, was established in Ambridge, Pennsylvania in 1935 for local teachers and their immediate family. For 82 Years, our not-for-profit financial institution has been offering closed membership to employees, their families and students of Ambridge Area School District
(540) 955-2510 Lender's profile and map Reviews Bank of Clarke County 2 East Main Street, Berryville, VA, 22611 At Bank of Clarke County, protecting the privacy and confidentiality of your personal information is important to us. We value your business and the trust you put in us. Please do not send confidential information such as account numbers, social security numbers, or credit card information through this form, as this is not a secure form of communic
(855) 365-9200 Lender's profile and map Reviews Commercial Lending USA 8500 Leesburg Pike Suite 411, Tysons, VA, 22182 As a small business owner, your top priority is growing your business, and purchasing real estate, renovating a property you already own or refinancing real estate debt can be a great way. We are offering SBA, commercial, construction, and lite/ no doc commercial loans. This is the center of your one-step solution!
(703) 883-8043 Lender's profile and map Reviews 4 Ever Lending USA 8245 Boone Blvd, Suite 450, Vienna, VA, 22182 99% of 4Ever Lending USA’s team are now Homeowners. We’ve engineered our processes to get our clients the best rates, customized lending options that help them close 3x faster than the industry average. If you’re on a deadline…we’re here for you. Our team of experts is available 24/7 365,
(703) 556-0900 Lender's profile and map Reviews United Bank 2071 Chain Bridge Rd, Vienna, VA, 22182 At United, we value all of the relationships we have built since 1839. We are committed to providing each relationship with an unmatched level of service. While we offer competitive products, services, rates, and technology, the level of service we provide and our commitment to building relationships is what sets us apart from our competitors.
(571) 299-6942 Lender's profile and map Reviews Old Dominion National Bank 8601 Westwood Center Dr, Tysons Corner, VA, 22182 Old Dominion will be the premier community Bank in our markets through excellence in employee engagement, customer service, financial performance, and community involvement. Our Mission is to build long-lasting, trustworthy relationships with our employees, customers, shareholders, and communities.