USDA Vs. FHA your options comparison in Bethlehem, Albany County, NY

In 2025, USDA loan limit in Bethlehem, county of Albany, NY is $336,500 while FHA limit is $472,030 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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2025 loan limits and downpayment requirments in Bethlehem, county of 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 Bethlehem, 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.

Lendersa USDA loan request and matching results

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.

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



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  • 1375 Gateway Blvd, Suite 40, Boynton Beach, FL, 33426
  • Global Mortgage is a leader in the Industry serving the entire state of florida with over 100 years in combine experience having billions of dollars in financial backed assets from the nations largest mortgage investors with the lowest rates to make homeownership possible for all.We pride ourselves on excellent service.
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  • Loan Solutions Team LLC
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  • 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.
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  • 1213 SW 25th Avenue, Boynton Beach, FL, 33426
  • SDG Lending, Inc. has the ability to close loans in as little as 2 weeks. Although out average turnaround time is 3-4 weeks. Give me a call and experience the SDG Lending difference. Scott Goldstein have been helping homeowners with their home loans loans since 2003. Scott Goldstein is a dedicated professional.
  • Premier Choice LLC
  • 2500 Quantum Lakes Drive, Suite 203, Boynton Beach, FL, 33426
  • 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.
  • MORTGAGES DONE RIGHT INC.
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  • Greg Hayden the President of Mortgages Done Right Inc. I created the business to give thousands of my clients and hundreds of my realtors more mortgage choices in the market place. The days of going to one lender for a mortgage are gone. Mortgage brokering is better for the consumer.