USDA Vs. FHA Pro and Con comparison in Canajoharie, Montgomery County, NY
In 2025, the USDA loan limit for Canajoharie in Montgomery, NY, is set at $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced tool allows you to see USDA, FHA, Conforming, and VA options side by side, guiding you to choose the best fit for your financial needs in .
2025 Loan Limits and Downpayment Requirements in Canajoharie, County of Montgomery, 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 Canajoharie, NY
Lendersa® is dedicated to helping you secure the best USDA or FHA loan quickly and without hassle. Choose one of three starting points to match with lenders and USDA loan programs.
The USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and is available solely in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA loans require no down payment, offering a substantial benefit for eligible borrowers.
I have been in the mortgage business since 1992. Early in my career I quickly learned attention to detail and staying current with lending programs and regulations is pivotal in setting the stage for the smoothest mortgage process for a consumer. While everyone strives for the perfect process,
Block Financial Resources, we operate for the sole purpose of providing low-cost mortgage financing to all qualified clients. We distinguish ourselves from our competition by providing information, education and client advocacy that borrowers would otherwise not receive. Built on the principles of service and accountability.
We pride ourselves on personal service in our comfortable, friendly office in the heart of downtown St. James. We’ll take the time to learn as much as we can about your goals, and do everything possible to help you achieve them. From the moment you walk through our door, until long after closing.
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Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
Citizens Bank can trace its origins back to 1913, when Henry and Sallie Rankin acted on their belief that the Columbia area needed a bank that could be responsive to the financial needs of individuals and businesses within their community. Twenty-four original shareholders raised $35, 000 in capital to form the Bank.
Sunflower UP Federal Credit Union was formed January 14, 1952 by seven Union Pacific Railroad employees. The par value of a share was $5.00, just as it is today. Membership was open to employees of the Fourth Subdivision of the Union Pacific Railroad and their families. The first office was in the Roundhouse of the Union Pacific Railroad depot.
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