USDA and FHA Pro and Con in Volney, Oswego County, NY

For 2025, the USDA loan limitation in Volney, within the county of Oswego, NY, is set to $336,500. In contrast, for a single-family house, the FHA cap is $472,030.

The USDA loan calculator by Lendersa® allows you to contrast today’s top rates between USDA and FHA, providing insight into the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA programs side by side, assisting you in choosing the best option for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Volney, Oswego County, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Examining USDA and FHA Loan Opportunities in Volney, NY

The mission of Lendersa® is to efficiently provide the optimal USDA or FHA loan without hassle. Choose one of three initial pathways, resulting in matched lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, also labeled as a USDA rural development loan or USDA mortgage, is endorsed by the Department of Agriculture and focuses on rural areas. Unlike FHA loans that stipulate a 3.5% down payment, USDA loans require no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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