USDA Vs. FHA your options comparison in Wilna, Jefferson County, NY

In 2025, USDA loan limit in Wilna, county of Jefferson, NY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Wilna, county of Jefferson, NY

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

USDA and FHA loan options in Wilna, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Cencap Federal Credit Union
  • 443 Franklin Avenue, Hartford, CT, 06114
  • Cencap Federal Credit Union is the new and improved Hartford Municipal Employees Federal Credit Union. Our ideals are the same as when we started in 1950, but our vision for the future and services we offer demanded we keep up with the times. We have been working hard to help our members fulfill their hopes, dreams and become financially secure.
  • Members First Credit Union
  • 7 Salmon Street, Manchester, NH, 03104
  • At Members First, we're like pocket-sized financial superheroes - here to save the day! We're small enough to get to know you, which lets us make a big difference in your finances. So, share your goals with a member of our staff and we'll do everything we can to ensure we've made a difference for you.
  • Pinnacle Mortgage Corp
  • 835 Hanover St, Unit 301, Manchester, NH, 03104
  • The Pinnacle Mortgage Corp team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
  • ESSA Bank & Trust
  • 200 Palmer Street, Stroudsburg, PA, 18360
  • ESSA Bank & Trust (ESSA) was established in 1916 when Mr. John Gish founded the East Stroudsburg Building & Loan Bank in East Stroudsburg, PA. A number of strategic mergers during the early years resulted in a name change to East Stroudsburg Savings Association. As a result, by 1971, assets had grown to $20 million dollars
  • NE PA Community Federal Credit Unio
  • 337 Clay Avenue, Stroudsburg, PA, 18360
  • NE PA Community Federal Credit Union’s mission is to provide the best banking experience for our members. Established in 1960, NE PA is always striving to deliver great rates, innovative financial products and services, and unbeatable member service. Serving Monroe and Pike Counties since 1960. Federally Insured by NCUA. Equal Housing Lender.
  • Skyline Financial Federal Credit Union
  • 3528 East Main St, Waterbury, CT, 06705
  • Skyline Financial Federal Credit Union was chartered in 1935 & remains committed to providing outstanding service to our members.The Credit Union was formed by a group of seven dedicated employees of what was then known as the Southern New England Telephone Company. The intent of our founders was to promote thrift among its members & to make loans.
  • Lakeland Bank
  • 250 Oak Ridge Road, Oak Ridge, NJ, 07438
  • Lakeland Bank is the wholly-owned subsidiary of Lakeland Bancorp, Inc., with over $8 billion in total assets. With an extensive branch network and commercial lending centers throughout New Jersey and Highland Mills, NY, the Bank continues to build on its infrastructure of financial strength, profitability, efficiency and quality service.
  • Prodigy Mortgage Corp
  • 3 Dalewood Court, New City, NY, 10956
  • Rick Spears founded Prodigy Mortgage Corporation in 1999. Our philosophy is to conduct ourselves as a Discount Mortgage Broker with concentration in high net worth borrowers, 1st time homebuyers, FHA, and VA financing. We have deep and long standing business relationships and agreements with banks and Lending Companies.
  • Embassy Funding LLC
  • 216 Congers Road Suite 3-A, New City, NY, 10956
  • Courtney J. Krysty is the owner and managing member of Embassy Funding LLC. She holds mortgage loan originator licenses in New York, New Jersey, Connecticut and Florida. Courtney has been working in the industry for over 15 years, gaining a wealth of experience as a processor, underwriter, loan officer, and branch manager.
  • Mc Cue Mortgage Co
  • PO Box 1000, New Britain, CT, 06050
  • The McCue Mortgage Company is a privately held company which was founded by William D. McCue in 1949. The corporate purpose at the time of founding was to become involved in the origination and servicing of residential mortgage loans. During the 1950’s the company grew in stature and developed a large mortgage servicing portfolio.
  • Sensible Mortgage Solutions LLC
  • 31 Liberty Street, Suite 306, Southington, CT, 06489
  • Sensible Mortgage Solutions is the founder of the Jeremy Hyatt focus has always been to do the right thing by each client and provide the best loan experience possible. Jeremy’s commitment to professional excellence and a strong desire to help others is what separates him from the competition. When not assisting clients.
  • New England Home Mortgage
  • 37 W. Center Street, Suite 208, Southington, CT, 06489
  • At New England Home Mortgage, we have over 50 years of industry experience to rely on. We offer a full suite of mortgage products and the highest level of customer service. Each mortgage team member will give you undivided attention, learn your unique financial situation, and explain the best mortgage solution available for you.