Within 2026, the USDA loan limit for the area of Cohoes in Albany county, NY, is set at $336,500. At the same time, the cap for FHA loans for single-family homes reaches $472,030.
Utilizing the Lendersa® USDA loan calculator allows you to contrast today's optimal USDA against FHA rates, evaluating income, credit scores, reserves, and documentation needed for eligibility. Our state-of-the-art mortgage calculator gives a parallel view of USDA, FHA, Conforming, and VA options, aiding you in determining the most appropriate program for your financial context in
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| Type of Loan | Limit on Loan | Required Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is dedicated to efficiently obtaining for you the best possible USDA or FHA loan, free of unnecessary complications. Choose from three starting points that link you with compatible lenders and suitable USDA programs.
A USDA home loan is a mortgage backed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage; it is only offered in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans eliminate the need for any initial down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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