USDA Vs. FHA Pro and Con comparison in Bergen, Genesee County, NY
For 2025, the USDA loan limit in Bergen, part of Genesee county, NY, is $336,500. The FHA loan limit for a single-family home is $472,030.
To compare today's USDA and FHA top rates, use the Lendersa® USDA loan calculator. This will help determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator shows you USDA, FHA, Conforming, and VA options in contrast, assisting in selecting the best program for your financial needs in .
2025 Loan Limits and Down Payment Requirements in Bergen, Genesee, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Bergen, NY
Lendersa® aims to deliver the best USDA or FHA loan to you quickly and without any hassle. Choose one of three starting paths to connect with matching lenders and USDA loan programs.
The USDA home loan, backed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available for rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages need no down payment.
"Founded in 2011 with a strong reputation, expertise in real estate investment, and professionalism founder Steve Ross started R&F Commercial Debt and Equity in response to the challenges in the national real estate market and subsequent opportunities that have been created as its by-product.
Pro-Mac Appraisal Management Services is a Regional Appraisal Management Company that specializes in residential and commercial appraisal/valuations for both lending and non-lending purposes. With over 50 years of combined experience in all facets of real estate transactions, we are well-equipped to assist our clients.
Congressional Federal was established in 1953 as Congressional Employees Federal Credit Union. Our first branch looked nothing like the modern facilities our members enjoy today. In fact, we were located in the Folding Room in the basement of the Longworth Building, essentially operating out of a desk drawer.
We offer specialized residential mortgages in Virginia, Maryland, DC and Pennsylvania to help prospective borrowers and existing homeowners with broader financing solutions. Our programs focus in the Alternative A and Non QM loan categories to provide borrowers more financing choices and expanded loan eligibility by credit score.
Sovita Credit Union serves education and healthcare workers in Genesee, Lapeer, Livingston, Oakland and Shiawassee counties. We provide low-cost, high-value financial services to people who enrich, heal, lift and lead all others in the community. Founded in 1934 as Flint Teachers Credit Union,
Simple Mortgage was formed in February 2012 and has been in a growth mode ever since. The company is a Direct Endorsed Lender and offers all mortgage products at market competitive rates. It is privately owned by an individual with more than a decade of experience in the mortgage banking industry and a primary focus on superior customer service.
A mortgage broker with over three decades of industry experience, Jonathan Lyons founded the Lyons Group Inc in 1991 with the goal of providing honest and direct financial assessments for clients in the Washington metropolitan area. Whether purchasing a home, refinancing for a lower rate or tapping home equity
We are a specialty mortgage boutique offering customized lending solutions to clients in DC, MD, and VA. Headquartered in downtown Vienna, VA, our firm serves a diverse and loyal customer base. Our differentiated service allows us the unique opportunity to optimize our clients’ present borrowing capacities for an advantageous financial future.
"NorthEast Financial is Connecticut’s Premiere Correspondent Commercial Mortgage Lender and Residential Mortgage Broker. Because of this NorthEast Financial is able to offer the best of both worlds in the Mortgage Industry.
At NorthEast Financial, we pride ourselves on being experts on all of the mortgage programs available to the public."
525 Bryant Street NW, Room C-102, Washington, DC, 20059
Howard University Employees Federal Credit Union was chartered in Washington, DC on October 11, 1935, the same year that the Federal Credit Union Act became law. Thanks to the courage and foresight of eleven charter members, our credit union was formed with the common bond to serve employees of Howard University and members of their families.
2440 Market Street NE, Suite 901, Washington, DC, 20018
Transit Employees Federal Credit Union (TEFCU) was founded on March 29, 1940 as D.C. Transit Workers Division 689 Federal Credit Union, by five (5) employees of the Capital Transit Company in Washington, DC. They combined their purchasing power and started the Credit Union with thirty-seven (37) shares at a par value.
