USDA Vs. FHA your options comparison in Vienna, Oneida County, NY
In the year 2025, residents in Vienna, within the county of Oneida, NY, can access a USDA loan limit set at $336,500. Meanwhile, the limit for an FHA-backed single-family home in the same area is $472,030.
Take advantage of the Lendersa® USDA loan calculator to compare the current best rates between USDA and FHA loans, and ascertain the income, credit score, reserves, and documentation required for eligibility. Our leading mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, ensuring you pick the best plan suited for your financial situation in .
Detailed 2025 Loan Limits and Down Payment Requirements in Vienna, Oneida County, NY
Loan Type
Loan Limit
Required Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Vienna, NY
The mission of Lendersa® is to ensure you swiftly find the most suitable USDA or FHA loan options without stress. Select from three entry points that align you with fitting lenders and USDA loan programs.
The USDA home loan is a government-insured mortgage offered by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. This program is exclusively available for properties located in rural areas. Unlike FHA loans, which necessitate a minimum of 3.5% as a down payment, the USDA mortgage uniquely requires no down payment.
715 Peachtree St NE, Suite 100 & 200, Atlanta, GA, 30308
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600 Peachtree St. NE, Suite 810, Atlanta, GA, 30308
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1185 Collier Rd NW, Suite 2216, Atlanta, GA, 30318
Our focus is on providing our clients with the necessary knowledge and tools to help them reach their home financing goals, while ensuring they maintain a level of financial stability. Let’s face it – purchasing a home is typically the most significant purchase a person will make, and mortgage payments account for a sizeable portion
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