USDA VS FHA in Balmville, Orange County, NY

In 2025, the USDA loan limit for Balmville, situated in Orange County, NY, is $581,200, whereas the FHA limit for a single-family home is $472,030.

Use the Lendersa® USDA loan calculator to compare today’s best USDA and FHA rates. Determine the necessary income, credit, reserves, and documents required to qualify. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, helping to decide which program in suits your financial situation best.

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2025 Loan Limits and Downpayment Requirements in Balmville, Orange, NY

Loan Type Loan Limit Down Payment
USDA $581,200 0%
FHA $472,030 3.5%
Conventional Conforming $726,525 3%

USDA and FHA Loan Options in Balmville, NY

Lendersa® aims to help you secure the best possible USDA or FHA loan quickly and without hassle. Choose one of three starting paths to find matching lenders and suitable USDA loan programs.

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Understanding USDA Loans in NY

A USDA home loan, backed by the government Department of Agriculture—also referred to as a USDA rural development loan or USDA mortgage—is exclusively available in rural areas. While FHA loans require a minimum 3.5% down payment, no down payment is needed for the USDA mortgage.

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



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