As of 2026, the USDA loan ceiling in Williamson, located in Wayne, NY, is set at $336,500, whereas the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to make a comparison between today's leading USDA and FHA rates. Determine the income, credit scores, reserves, and necessary documents for qualification. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in deciding the best program for your financial scenario in
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| Loan Category | Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conforming Conventional | $726,200 | 3% |
The aim of Lendersa® is to swiftly and easily secure the best USDA or FHA loan for you. Start by choosing one of three pathways to connect with lenders and discover USDA loan plans.
A USDA home loan, endorsed by the U.S. Department of Agriculture—commonly referred to as a USDA rural development loan or USDA mortgage—is specifically tailored for rural communities. FHA loans require at least a 3.5% down payment, whereas the USDA mortgage eliminates the need for any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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