USDA Vs. FHA your options comparison in Warsaw, Wyoming County, NY

For the year 2025, the USDA loan limit in Warsaw, within Wyoming, NY, is set at $336,500, while the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare the most favorable USDA and FHA rates available today. Determine what income, credit, reserves, and documents are necessary to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding you in finding the best option for your financial needs in .

Review offers from 100 lenders

Understanding 2025 Loan Limits and Down Payment Requirements in Warsaw, Wyoming, NY

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

Exploring USDA and FHA Loan Options in Warsaw, NY

At Lendersa®, our goal is to swiftly provide you with the optimal USDA or FHA loan, free of hassle. Choose from three starting points to engage with matching lenders and appropriate USDA loan programs.

Image showing Lendersa USDA loan request and matching results

What Are USDA Loans in NY?

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture. These loans are exclusively available in rural areas. Unlike FHA mortgages that require a down payment of 3.5%, USDA loans require none.

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



  • California Financial and Real Estate Center Inc
  • 16531 Bolsa Chica St, Unit 300, Huntington Beach, CA, 92649
  • California Financial and Real Estate Center Inc Since 1992 we have been committed to providing our clients with the highest quality financial services possible. We will work with you one-on-one to tailor a financial solution that is specifically suited to meet your financing needs.
  • Nexgen Home Finance
  • 3211 Francois Dr, Huntington Beach, CA, 92649
  • Nexgen Home Finance was started in 2004 by Jason Kiffe and Leyla Sharifi. Their intent was to offer an alternative to the unethical and inexperienced advice that was growing rampant as a result of various lenders hiring without any training or mortgage education. They felt that good financial advice should come from people who not only study.
  • HISE Financial Corporation
  • 5762 Bolsa Avenue, Suite A101, Huntington Beach, CA, 92649
  • With a blend of real world credentials, our teams listen to your needs and goals to deliver exceptional mortgage and real estate services. We provide you with the resources & options so that you can make an informed decision. Our goal is to build trust and simplify the process in order to save you money when buying, selling, or financing your home.
  • Epic Development & Capital Corporation
  • 15272 Bolsa Chica St, Huntington Beach, CA, 92649
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Quest Home Loans
  • 4033 Humboldt Drive, Huntington Beach, CA, 92649
  • Quest home loan is the best mortgage rates that suit your needs and always beat the Direct Lender rates. From conventional to out of the box lending, we offer an array of products to cater to our clients' needs best mortgage rates that suit your needs and always beat the Direct Lender rates. From conventional to out of the box lending.
  • Shannon Christenot
  • 700 Flower St, Suite 1000, Los Angeles, CA, 90017
  • Shannon Christenot is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith
  • MOR Financial
  • 1100 Wilshire Blvd., 1701, Los Angeles, CA, 90017
  • MOR Financial is a direct in-house asset-based lender located in Downtown Los Angeles. With nearly 60 years of combined experience funding real estate transactions, MOR has successfully built a powerful funding base in California coupled with an extensive affiliate program stemming from coast to coast.
  • Sea Air Federal Credit Union
  • 800 Seal Beach Blvd, Building 12, Seal Beach, CA, 90740
  • Sea Air Federal Credit Union was founded in 1952 to provide affordable financial services. Today we serve more than 7,800 members including: active military, retired military, reserves and civilians working or living on the base (in Seal Beach Weapons Station, Los Alamitos Joint Training Base, and Corona Naval Facility), residents of Sunset Beach.
  • Progressive Loan Funding
  • 3010 Old Ranch Pkwy, Suite 440, Seal Beach, CA, 90740
  • Operating predominantly in Los Angeles and Orange Counties since 1988, Progressive Loan Funding helps find the home financing that’s right for you. Progressive Loan Funding offers FHA, VA, Conventional and Jumbo loan programs with a full range of fixed and adjustable loan options. We service all home lending products, but specialize in FHA loans.