USDA Vs. FHA Pro and Con comparison in Chatham, Columbia County, NY
In 2025, the USDA loan limit in Chatham, found in Columbia county of NY, is $336,500, while for a single-family home, the FHA limit is $472,030.
Leverage the Lendersa® USDA loan calculator to weigh the best available USDA versus FHA rates today, and gauge the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA options side by side, guiding you in choosing the optimal program in for your financial circumstances.
Loan Limits and Down Payment Requirements for 2025 in Chatham, County of Columbia, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Chatham, NY
The goal of Lendersa® is to efficiently connect you to the best USDA or FHA loans, quickly and without hassle. Select one of three starting points to match with lenders and USDA programs tailored to your needs.
The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government Department of Agriculture and is available solely in rural neighborhoods. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans demand no down payment.
The North Cambridge Co-operative Bank was chartered in 1912. We have operated continuously in this location since its inception. The bank’s primary mission has been to serve the banking needs of North Cambridge as well as the surrounding communities. We are proud of our Co-operative heritage and believe our financial strength demonstrates.
We deliver the absolute best lending experience through knowledge, communication, and care. Our mission supports the growth and strength of our communities and provides a pathway to the dream of homeownership. Whether you are a new home buyer looking for a first time mortgage or needing to refinance your home mortgage.
Top Vine Mortgage Services was formed to ensure customer satisfaction is met. By partnering with the nation's top financial institutions, our distinctive approach to mortgage financing means we can virtually guarantee our clients receive the best rates and terms available. With years of experience and deep industry insights,
Cambridge Savings Bank is a full-service banking institution with over $5 billion in assets. As a mutual bank, CSB is committed to improving the quality of life of our employees, customers & the communities we serve. One of the oldest & largest community banks in MA, CSB offers a full line of individual & business banking services.
Brookline Bank is a full-service financial institution with more than 30 locations in Greater Boston & the North Shore. Whether online, mobile, or in person, Brookline Bank helps you manage your banking with a mix of tech, human touch, & solutions tailored to your life. We offer checking, savings, home equity lending, residential mortgages.
Whitehall Mortgage has been providing Residential Home Mortgage Loans throughout the Commonwealth of Pennsylvania for over three decades. The father and son duo, Douglas and Dallas, use their Northeasten PA roots and knowledge to best serve this area with the best mortgage service.
Middlesex Federal Savings is a full-service community bank headquartered in Davis Square Somerville, Massachusetts. It was established in 1890 as West Somerville Cooperative Bank. More than 130 years later, Middlesex Federal has grown from its modest beginnings. Established with only $840.20 in assets,
Established on May 28, 1941, Somerville Municipal Federal Credit Union was started by people who were committed to helping their fellow City of Somerville employees save for retirement in an age when pensions were non-existent. In the 1960's, membership was extended to employees of the Somerville Housing Authority
334 Washington Street, Brookline Village, MA, 02447
Founded in 1939, the Brookline Municipal Credit Union was formed by a group of people with a common bond – people who were principally interested in encouraging systematic savings and providing a source of low-cost loans, when members needed money. The philosophy and commitment to provide our members with savings accounts.
With 21+ years in the Mortgage Brokerage business, BDM has helped THOUSANDS of homeowners purchase or refinance their properties.
It’s a big step to purchase a new home or refinance a current mortgage loan – know that you can rely on Blue Door Mortgage to find the best loan program for you.
For more than four generations, TCB has been helping our customers make their goals and dreams a reality. We opened our doors on South Street in Roslindale in April 1898 as Roslindale Cooperative Bank. From 1928 to 1956, our main office was located on the corner of Corinth Street. In 1956, we moved to 40 Belgrade Avenue, where we still are today.
MidState Federal Credit Union began over half a century ago on May 3, 1950, with a total membership of seven. These original seven members decided to pool their savings in order to promote thrift among them, by affording them an opportunity to accumulate their savingsand create a source of credit they could borrow from for provident
