USDA and FHA Pro and Con in Bronxville, Westchester County, NY

In 2025, for the USDA loan in Bronxville, Westchester, NY, the limit is $0, while for an FHA loan, it is $1,089,300 for a single-family residence.

Use the Lendersa® USDA loan calculator to compare top USDA and FHA rates today. Determine the income, credit score, reserves, and documents you need to qualify. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA options side by side to help you select the best program for your financial situation in .

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2025 Loan Limits and Downpayment Requirements in Bronxville, Westchester, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conforming Conventional $1,089,300 3%

USDA and FHA Loan Options in Bronxville, NY

Lendersa® aims to quickly secure the best USDA or FHA loan for you, without hassle. Select one of three starting points to connect with matching lenders and explore USDA loan options.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

A USDA home loan is backed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans have no down payment requirement.

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



  • John Adams Mortgage
  • 25800 Northwestern Hwy, Suite 110, Southfield, MI, 48075
  • John Adams Mortgage is a Michigan based, full service mortgage lender. As a lender, we originate, process, underwrite, close and insure our own loans. Our strength and knowledge of the mortgage industry has allowed us to successfully weather the vast changes over the past few years.
  • Oakland University Credit Union
  • 2200 N Squirrel Rd, Rochester, MI, 48309
  • MSUFCU was established 84 years ago to provide a safe place where members could borrow and save money. Over the years, we've built a strong foundation of relationships with our members - ultimately helping them achieve their dreams. Our employees live our mission every day to spark those moments for members to find financial freedom and security.
  • Lucrative Home Loans Inc
  • 2490 Walton Boulevard, Suite 101, Rochester, MI, 48309
  • Lucrative Home Loans, Inc. understands that buying a home is more than just a transaction: it’s a life-changing experience. We are committed to getting every client the very best rate and loan every single time. Becoming a one-stop-shop and personalized service for our clients’ convenience, was essential to our many years of success.
  • Gem Home Loans LLC
  • 1675 West Hamlin Road, Rochester, MI, 48309
  • Gem Home Loans is a client-focused lender made up of experienced professionals. We have made the choice to step away from the impersonal big-box banks and in your face marketing machines. We prefer working one-on-one with clients in building customized financial solutions. The person you contact will be the person who you work with throughout.
  • Chivaho Federal Credit Union
  • 190 North Bridge Street, Chillicothe, OH, 45601
  • The mission of Chivaho Federal Credit Union is to provide opportunities to build member wealth and security through affordable financial services, creating a stronger community. Chivaho is a non-profit organization owned and operated by its members. The birth of the Credit Union began with seven members contributing $5.00 each
  • Homeland Credit Union
  • PO Box 1974, Chillicothe, OH, 45601
  • Homeland Credit Union. Homeland has provided financial services to generations of families. While we are proud of our past, we are excited about the opportunity to serve you and your family now and into the future."Credit Union. Homeland has provided financial services to generations of families.
  • Cape Fear Farm Credit
  • 333 E Russell Street, Fayetteville, NC, 28304
  • Cape Fear Farm Credit provides loans to more than 2,500 farmers and rural North Carolina residents. We're a cooperative, which means we’re in business to benefit our customer-owners. We have 10 branch offices in our 12-county territory, and our members vote for directors directly from our membership.
  • Bragg Mutual Federal Credit Union
  • 2917 Village Drive, Fayetteville, NC, 28304
  • We opened in 1952 as Bragg Civilian Federal Credit Union. Over the years we changed to Bragg Mutual Federal Credit Union. We are a Credit Union Service Center open to other Service Center members as well. A full service credit union open to all who live, work, or worship in Cumberland County, NC.
  • Lewis Financial Mortgage
  • 401 South Old Woodward Avenue, Suite 333, Birmingham, MI, 48009
  • So, this is how we roll — you are dealing directly with me, Keith Lewis and my assistant Angela on every transaction and we have been in the mortgage business together since 1996. Wow, that is a long time. We help guide you through an extremely complicated process seamlessly and in a manner that is best for your lifestyle.
  • Swift Home Loans
  • 255 S Old Woodward, Birmingham, MI, 48009
  • Swift, it’s not just about what we do, but why we do it. With over 30 years of Mortgage experience, our mission is to ensure a trustworthy and tailor-made mortgage solution each and every time.We are firm built on old school values with a new age way of operating. By leveraging technology
  • Best Rate
  • 1935 Villa Road, Birmingham, MI, 48009
  • Best Rate is a Michigan-based mortgage company specializing in home loans and mortgage refinancing with historically low interest rates. Fadi as a mortgage broker in Michigan for every single one of our clients is to have an experience so good that you can’t wait to tell your friends and family about us.
  • Loan X Mortgage LLC
  • 191 North Old Woodward Avenue, Suite 300, Birmingham, MI, 48009
  • Loan X Mortgage team has a consistent history in the mortgage industry of closing loans very quickly and efficiently at the exact requirements of the client and also Loan X has all the necessary tools to service you and help achieve your goals. We believe simplicity is key to every transaction because our clients.