USDA VS FHA in Ardsley, Westchester County, NY

In 2025, the USDA loan limit for a single-family home in Ardsley, located in the county of Westchester, NY, stands at $0. On the other hand, the FHA loan limit is $1,089,300.

Utilize Lendersa®'s USDA loan calculator to compare the current best rates for USDA and FHA loans. This tool helps you understand the necessary income, credit scores, reserves, and documents required to qualify. Our sophisticated mortgage calculator allows you to simultaneously view USDA, FHA, Conforming, and VA loan options to determine the most suitable program in for your financial needs.

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2025 Loan Limits and Down Payment Requirements in Ardsley, Westchester, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Options in Ardsley, NY

Our aim at Lendersa® is to secure the best USDA or FHA loan swiftly and without inconvenience. Choose from three starting points for matched lenders and USDA loan programs.

Lendersa USDA Loan Matching Results

What Defines a USDA Loan in NY?

A USDA home loan, guaranteed by the U.S. Department of Agriculture, is also referred to as a USDA rural development loan or USDA mortgage, and is exclusively available in rural areas. FHA loans require a minimum down payment of 3.5%, whereas a USDA mortgage necessitates no down payment.

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



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