In 2026, the USDA loan limit in Waterloo within Seneca, NY, is set at $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Leverage the Lendersa® USDA loan calculator to assess today’s best USDA versus FHA rates, determining the required income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side, thereby aiding your decision on the most suitable program in Alabama for your particular financial situation.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to efficiently facilitate securing the best possible USDA or FHA loan for you, without hassle. Choose from one of these three starting points to connect with lenders and explore USDA loan programs that meet your needs.
The USDA home loan, backed by the government Department of Agriculture, known as a USDA rural development loan or USDA mortgage, is solely available in rural areas. Contrarily, FHA loans require at least a 3.5% down payment, whereas USDA loans require no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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