USDA Loan Vs. FHA loan pro & con Ballston-Spa, Saratoga County, NY

In 2025, USDA loan limit in Ballston-Spa, county of Saratoga, NY is $285,000 while FHA limit is $356,362 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.

Get top 10
USDA LENDERS
customized to yout needes

USDA and FHA loan options in Ballston-Spa, 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.

727-244-7076 Lender's profile and map Reviews SUNSHINE STATE HOME LOANS, LLC 110 Athens Street, Suite K, Tarpon Springs, FL, 34689 Sunshine State Home Loans, LLC is perfect for any mortgage needs, you may have. If you'd like to know the rate which you qualify for, apply online, and we will give you an accurate assessment. Our mission is to help you with all your mortgage needs. We will use our expertise to find the right program for you.
(402) 399-9001 Lender's profile and map Reviews Omaha Federal Credit Union 3001 S 82nd Avenue, Omaha, NE, 68124 Omaha Federal Credit Union opened for business April 1, 1935, to serve the financial needs of the Omaha community. Membership is open to anyone living or working in Douglas, Sarpy or Washington counties in Nebraska and Pottawattamie County in Iowa. Omaha FCU offers a full range of financial services, including mobile
(402) 332-6985 Lender's profile and map Reviews Gershman Investment Corp 2580 S 90th St, Suite 140, Omaha, NE, 68124 Gershman Mortgage is among the largest mortgage companies in the Midwest, licensed in 11 states, with offices in 7. The company was founded in St. Louis, MO by Solon Gershman in 1955. Since then, the company has grown to be one of the only independently-owned and operated mortgage companies nationwide offering residential,
(813) 621-6454 Lender's profile and map Reviews PowerNet Credit Union 5619 Harney Road, Tampa, FL, 33610 PowerNet Credit Union is the largest labor-based credit union in Florida and serves the Building and Construction Trade local Unions and their members throughout the state since 1961. Membership is open to all Florida building and Construction unions, their members, retirees as pensioners or annuitants of said local unions
(800) 999-5887 Lender's profile and map Reviews Suncoast Credit Union 6801 E Hillsborough Ave, Tampa, FL, 33610 Suncoast Credit Union is the largest credit union in the state of Florida, the ninth largest in the United States based on membership, and the 10th largest in the United States based on its $12.6 billion in assets. Chartered in 1934 as Hillsborough County Teachers Credit Union, Suncoast Credit Union currently operates 74 full-service branches
(330) 329-8823 Lender's profile and map Reviews SISTAR MORTGAGE COMPANY 10150 Highland Manor Dr, Suite 200, Tampa, FL, 33610 Sistar Mortgage have today announced a partnership that will see the nationwide lender become the Presenting Partner of the upcoming series of Minor League Cricket Franchise Exhibition Matches. As part of the sponsorship, Sistar Mortgage will also have prominent branding on the playing shirts of all 24 Minor League
(712) 277-1440 Lender's profile and map Reviews Sioux Valley Community Credit Union 1120 6th Street, Sioux City, IA, 51101 Sioux Valley Community Credit Union has been open since 1952. The credit union has assets totaling $31 Million and provides banking services to more than 3,000 members. Sioux Valley does not support or recommend using Zelle pay or any other cash transfer app to purchase anything.
(712) 279-6430 Lender's profile and map Reviews Siouxland Economic Development Corp. 617 Pierce St, Suite 202, Sioux City, IA, 51101 The Siouxland Economic Development Corporation (SEDC) was incorporated in 1979 by a group of Siouxlanders in an attempt to help stimulate the tri-state region’s economy which was slumping in the face of manufacturing dislocations, particularly the Zenith plant closing in Sioux City.
(712) 277-6671 Lender's profile and map Reviews Security National Bank 601 Pierce Street, Sioux City, IA, 51101 Security National Bank was chartered in 1884 in Sioux City, Iowa, founded on the time-tested principles of integrity, honor, open-mindedness, efficiency, good humor, respect, duty and human connection These principles served as guideposts that enabled SNB to withstand the economic panic of the late 1800s, the Great Depression.
(218) 528-3255 Lender's profile and map Reviews Border Bank 202 Main Street, Badger, MN, 56714 Border Bank has proudly served residents and businesses providing friendly, personalized service that is focused on its customers. The bank has ten locations across Minnesota and North Dakota to serve its customers Badger, Baudette, Clearbrook, Coon Rapids, Fargo, Greenbush, International Falls, Middle River, Roseau, and Thief River Falls.
(402) 933-0233 Lender's profile and map Reviews Family Focus Federal Credit Union 7310 N Plaza, Omaha, NE, 68127 Family Focus FCU is based out of 7310 N Plaza, Omaha, Nebraska, United States and dedicated to providing financial services to Metropolitan Utility District's former and current employees, their We are still YOUR credit union, dedicated to serve M.U.D. employees and their family members.