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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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