In 2026, the USDA loan limit for Caledonia, located in Livingston, NY, is $336,500; meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare USDA and FHA rates available today. Determine the income, credit score, reserves, and documents needed to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, helping you decide the best program for your financial situation 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 get you the best USDA or FHA loan quickly and without hassle. Choose one of three starting points and connect with matching lenders and USDA loan programs.
The USDA home loan, also known as a USDA rural development loan or mortgage, is guaranteed by the government through the Department of Agriculture and is available only in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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