FHA Vs. USDA loan program for Waterloo, Seneca County, New York

In 2025, 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.

Explore USDA and FHA Loan Options in Waterloo, NY

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.

What is USDA Loan in NY?

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.

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(717) 569-9621 Lender's profile and map Reviews Penlanco Federal Credit Union 630 Delp Road, Suite C, Lancaster, PA, 17601 Penlanco Federal Credit Union has been serving the PPL Electric Utilities family since 1938, and is now accepting additional companies and groups within 25-miles of Penlanco FCU. Penlanco FCU is a employee and group based credit union which means that you must have an affiliation with one of our employers or groups in order to be a member.
(717) 569-7180 Lender's profile and map Reviews Lanco Federal Credit Union 349 West Roseville Road, Lancaster, PA, 17601 The mission of Lanco Federal Credit Union is to help members achieve their life's goals by promoting financial health and providing affordable access to credit. Lanco Federal Credit Union is a member-owned, not-for-profit financial institution. This means that Lanco returns excess earnings to our members in the form of competitive dividend rates.
(717) 842-0731 Lender's profile and map Reviews Penn Home Mortgage 255 Butler Avenue, Suite 300, Lancaster, PA, 17601 Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
(717) 560-0546 Lender's profile and map Reviews Mortgage Craft 1801 Lititz Pike, Lancaster, PA, 17601 While the concept of true & solid customer service is not new, it is our purpose & intent to continuously move & adapt within the boundaries of the industry, while providing innovation in the way we offer our service. Our team is devoted to our commitment of providing only exceptional service, from our sales team, to our operations professionals.
(717) 569-8702 Lender's profile and map Reviews Prosper Mortgage Funding 32C E Roseville Rd, Lancaster, PA, 17601 At Prosper Mortgage Funding, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry.We use "common sense" & will help you obtain the best loan possible. We are a small, family owned, mortgage company & represent a wide range of "A" rated lenders with first quality rates.
(717) 278-8141 Lender's profile and map Reviews PMG Funding 1525 Oregon Pike, Suite 2001, Lancaster, PA, 17601 PMG is a mortgage broker in Pennsylvania that takes a long-term partnership approach to the process of buying or refinancing. As such, we seek to develop good relationships with our clients through trustworthy service and timely communication throughout the process. Dave started PMG in December of 2005.
(717) 560-2114 Lender's profile and map Reviews LMC HOME LOANS 1794 Oregon Pike, Lancaster, PA, 17601 LMC is a mortgage lender headquartered in Lancaster, PA. We have served over 8,915 clients and our team members average 18 years experience each. Think of us as a matchmaker. We have access to many lenders and after meeting with you, we give you a couple of loan options. Then together, we pick the best product for your needs.
(201) 599-5500 Lender's profile and map Reviews Greater Alliance Federal Credit Union 40 West Century Road, Paramus, NJ, 07652 Our Mission is To provide the highest quality financial services, through commitment to excellence and financial strength, exceeding the expectations of our members and employees. Our Vision is Commitment to making a positive difference in the financial lives of our members and in the community we serve. We want to be the financial institution.
(973) 577-4226 Lender's profile and map Reviews The Capital Lenders 428 Upper Mountain Ave, Montclair, NJ, 07043 The Capital Lenders Money is the lifeblood of business, and you need someone you can trust to help you with the financing and working capital necessary to keep your company afloat. At The Capital Lenders, we are nationally recognized for our resources and commitment to finding customized solutions for our customers’ commercial finance needs.
(800) 363-8115 Lender's profile and map Reviews Spencer Savings Bank 611 River Drive, Elmwood Park, NJ, 07407 Spencer Savings Bank is a leading New Jersey-based community bank headquartered in Elmwood Park, N.J. For over 100 years, we have been serving our local communities with integrity and pride. Roots matter, because they mean experience. They mean real insight into what makes our communities strong.
(877) 491-4848 Lender's profile and map Reviews Elderton State Bank 143 Main Street, Elderton, PA, 15736 Elderton State Bank’s mission is to create long-term value for customers, shareholders, employees, and the communities we serve by providing high quality, personal service Elderton State Bank was founded in Elderton, Pennsylvania in 1919. Since that time, the Bank has grown in assets to over $230 million and serves customers in 20 Pennsylvania coun
(800) 237-5626 Lender's profile and map Reviews Advanced Financial Federal Credit Union 785 Central Avenue, New Providence, NJ, 07974 Advanced Financial Federal Credit Union membership is available to anyone who lives, works, goes to school in Union or Essex County, NJ. We offer members a full range of financial services, similar to banks. We offer residents an alternative to the costly services of mega-banks & the option of a financial institution under local ownership.