In 2025, the USDA loan limit for Wolcott, located in Wayne county, NY, stands at $336,500, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate and compare the most favorable USDA versus FHA rates today, determining the necessary income, credit, reserves, and documentation to qualify. Our comprehensive mortgage calculator aligns USDA, FHA, Conforming, and VA options side by side to assist you in selecting the best financial solution in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to efficiently connect you with the optimal USDA or FHA loans, without hassle. Select from three initial steps that lead to matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. In contrast to FHA loans that require a minimum 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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