FHA Vs. USDA loan program for Ballston-Spa, Saratoga County, New York

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.

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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.

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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.

(843) 990-7770 780 miles Lender's profile and map Reviews First Capital Bank SC 304 Meeting Street, 1st Floor, Charleston, SC, 29401 First Capital Bank’s mission is to provide profitable, competitive and responsive community banking services, which exceed the expectations of our customers, stockholders and employees. First Capital Bank is a community bank with an emphasis on special attention to our customers.
(843) 724-1500 780 miles Lender's profile and map Reviews The Bank of South Carolina 256 Meeting Street, Charleston, SC, 29401 The Bank of South Carolina is a state-chartered financial institution with depository accounts insured by the FDIC. The Bank was organized on October 23, 1986, and our first office opened for business on February 26, 1987. It is a wholly-owned subsidiary of Bank of South Carolina Corporation which became effective on April 17, 1995.
(843) 410-8382 780 miles Lender's profile and map Reviews Keystone Lending Company 215 East Bay Street, Charleston, SC, 29401 Keystone Lending Company is a local family owned mortgage broker company formed by a retired teacher whose leadership skills and problem solving ability strives to get you the perfect home loan for your unique situation. Family owned means you get treated like family, not just a number like the online loan factories.
(843) 277-9304 780 miles Lender's profile and map Reviews Sweetgrass Capital 25 Cumberland Street, Suite 120, Charleston, SC, 29401 SweetGrass Capital makes homeownership possible for more South Carolinian’s than any other state based lender. Our philosophy is to keep marketing and advertising expenses at a minimum, instead allocating those funds to optimize a streamlined loan process. This allows us to provide our clients with lower rates and a higher level of customer service
(843) 737-0182 780 miles Lender's profile and map Reviews Coastal Equity Group 15 State Street, Charleston, SC, 29401 Coastal Equity Group offers both short and long-term financing for investors striving to build their wealth and generate income for a better future. As a lender, we strive to offer our borrowers smart investment solutions to help generate income and build their portfolio. Our team works quickly and ethically.
(843) 203-4578 780 miles Lender's profile and map Reviews Leeward Point Mortgage LLC 215 East Bay Street, Suite 403-F, Charleston, SC, 29401 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
(800) 856-3056 780 miles Lender's profile and map Reviews Ivy Asset Group, LLC 170 Meeting Street, Suite 501, Charleston, SC, 29401 Asset Group, LLC is a specialty finance firm with a focus on structured credit solutions across the capital stack. Ivy executives have extensive management experience in leveraged lending, investment banking, operations, financing, and consulting. We employ a pragmatic approach to private lending emphasizing disciplined.
(812) 897-2620 780 miles Lender's profile and map Reviews Boonville Federal Savings Bank 123 N Third Street, Boonville, IN, 47601 Boonville Federal Savings Bank is a full-service, independent bank providing financial products & services of various types. Beginning in 1917, Boonville Federal has provided personal services to the citizens of Warrick County and the surrounding area for 102 years.This bank offers: on-line banking, checking, savings, certificates of deposits etc..
(815) 645-2266 781 miles Lender's profile and map Reviews Stillman Bank 101 East Main Street, Stillman Valley, IL, 61084 "Stillman Bank is a local, independently-owned community bank founded in 1882 and has been meeting the financial needs of our customers in northern Illinois for more than a century. We offer the products and services you expect from big banks, but we do it with a friendly, hometown touch. And, because we are a community bank,"
(270) 685-1025 781 miles Lender's profile and map Reviews Modern Employees Federal Credit Union 1727 Moseley Street, Owensboro, KY, 42303 Modern Employee Federal Credit Union is a not-for-profit financial cooperative which was chartered in 1953. The Mission of MEFCU is to provide a variety of services, which benefits our members/owners, with the primary goal of helping them enhance their personal finances. In keeping with our mission statement
(270) 926-0210 781 miles Lender's profile and map Reviews Green River Area Federal Credit Union 3000 Highway 144, Owensboro, KY, 42303 Green River Area Federal Credit Union has been serving its members with top quality financial products and services since 1959. The Credit Union is a true representation of the ""people helping people"" philosophy unique to all credit unions. The Credit Union provides members with a safe place to save money and obtain credit