USDA Vs. FHA your options comparison in Berne, Albany County, NY
In 2026, the USDA loan limit in Berne, within Albany, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA against FHA rates. Evaluate the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, helping you find the best program in for your financial needs.
Loan Limits and Down Payment Requirements for 2026 in Berne, Albany, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Berne, NY
Lendersa® seeks to efficiently provide you with supreme USDA or FHA loans without hassle. Choose from three pathways to connect with lenders and explore USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is available strictly in rural areas. In contrast to FHA loans that require a 3.5% down payment, the USDA mortgage requires none.
Union State Bank is a locally operated financial institution that offers a variety of services including, Checking, Savings, Mobile Banking, and Agricultural Commercial Banking. We strive to inspire our customers to make their financial dreams come true and Union State Bank of Hazen is a community-oriented, relationship-driven financial institution
TruCommunity Bank would become the name of Farmers Security Bank, Garrison State Bank & Trust, and Bank of Turtle Lake. TruCommunity Bank will remain at the heart of our communities and is very dedicated to being the great local banks you know and love. Visit one of our 4 locations in Garrison, Max, Turtle Lake, and Washburn.
CCTFCU is a federally-registered credit union serving Cherokee County. We were organized in 1955 to provide low-interest loans and high-yield savings accounts to teachers serving in our school districts. As a federal credit union, we’re a non-profit banking institution that gives back to each and every one of our members with low-interest loans.
Citizens State Bank is to be recognized as the uniquely committed conduit for economic and individual growth within the communities served. Citizens State Bank must develop and implement intentional initiatives through economic, social and political relationships that will produce robust and vibrant local economies for the benefit of the whole.
On September 9, 1963, Southland Federal Credit Union’s charter was approved by NCUA (National Credit Union Administration). Starting with only seven members and working out of a house, the credit union started providing financial services to workers and family members of the Southland Paper Mill in Lufkin, Texas.
Lufkin Federal Credit Union is a full service, not for profit financial institution formed in 1964. The original name of the credit union was LFM Federal Credit Union, formed to serve employees of Lufkin Foundry & Machine Company (later became Lufkin Industries, Inc.) and their family members.
Angelina Federal Employees Credit Union has been open since 1952. The credit union has assets totaling $38.3 Million and provides banking services to more than 3, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing banking services including savings loans.
Community State Bank of Canton is a full-service bank. The bank accepts deposits, makes loans and provides other services for the public. Resources and experience to help you achieve your savings goals. Our Individualized banking and account options to meet your unique needs. We hope everyone enjoys our new service for our customers.
