USDA and FHA Pro and Con in Vernon, Oneida County, NY
As of 2025, the USDA loan limit in Vernon, county of Oneida, NY, is $336,500, whereas the FHA cap for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to discover the best current USDA vs. FHA rates. It also helps you check the income, credit, reserves, and documents needed for qualification. With our sophisticated mortgage calculator, you'll see USDA, FHA, Conforming, and VA loans side by side to decide which program in is optimal for your financial needs.
2025 Loan Limits and Downpayment Requirements in Vernon, Oneida, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Vernon, NY
At Lendersa®, our aim is to assist you in obtaining the best USDA or FHA loan quickly and efficiently. Choose from one of three initial steps that will relate you to lenders and USDA loan options.
The USDA home loan, endorsed by the Department of Agriculture and also referred to as a USDA rural development loan or mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans that require a minimum of 3.5% down payment, USDA mortgages do not necessitate any down payment.
3740 Beach Blvd, Suite 300, Jacksonville, FL, 32207
Linward Realty is an integral part of the Linward Family of Companies. Located in Jacksonville, Florida with over 50 years combined experience in Northeast Florida Real Estate, our team has transacted in excess of $50, 000, 000 in Real Estate transactions. Dating back to 1996 when Linward Development Corporation was created,
Coastline Federal Credit Union is a full–service, not–for–profit financial cooperative. We provide personal banking services but, unlike a bank, we're owned by our account holders—members like you! Our goal is to be better than a bank by delivering outstanding service, competitive savings yields.
First Down Mortgage, LLC – NMLS 1920842 is a registered and licensed mortgage brokerage firm located in Jacksonville, FL. We offer services such as brokering residential purchases and refinances, as well as providing related mortgage loan guidance. We are a client centric brokerage firm focused on the satisfaction
"Prodigy Home Loans has been serving the home loan needs of Florida home buyers since 1999, offering a full portfolio of mortgage lending options.
Are you looking to purchase your first home? Have you found the home of your dreams? Or maybe you are considering refinancing or consolidating debt."
Our bank was founded in 1997. Our founders established a bank based on time-tested methods of sound financial management. The bank they envisioned would serve people like themselves, who enjoy living and working in the unique region of South Georgia. Guardian Bank flourished as it helped people prosper.
We pride ourselves on being a true community bank. Our bankers are your neighbors and your friends-- and we truly understand the needs of our local people. We have, and will continue to be, committed to building relationships with our customers and our community across South Georgia.
Ameris Bank is a financial institution serving customers across the Southeast and Mid-Atlantic. Through online account opening, customers across the nation can benefit from Ameris Bank products and services. Ameris Bank has full-service locations in Alabama, Florida, Georgia and South Carolina and mortgage-only.
Southeastern Credit Union is a not-for-profit financial institution. We were founded in 1953 as Moody Air Force Base Federal Credit Union, originally offering credit union membership to base employees and their immediate family.Since then, we've changed our name and our charter to serve our current ten-county area in South Georgia.
