USDA Loan Vs. FHA loan pro & con for Cold-Spring, Putnam County, NY

In 2025, USDA loan limit in Cold-Spring, county of Putnam, NY is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Cold-Spring, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(888) 962-6626 1002 miles Lender's profile and map Reviews Stewart Capital Lending Inc 111 East Monument Avenue, Suite 338, Kissimmee, FL, 34741 "Stewart Capital Lending is a client-focused financing company specializing in commercial, residential, and private loans. Our CEO and chairman, Mr. Glen A. Stewart, has more than 33 years of experience in the financial and real estate industry, including many years spent as an insurance broker, residential home builder,"
(407) 492-9551 1002 miles Lender's profile and map Reviews The Advanced Mortgage Group LLC 3497 West Vine Street, Kissimmee, FL, 34741 The Burnham Financial, has over 30 years of experience in Mortgage Lending. Our passion to help others achieve the dream of home ownership is what drew us to a career in mortgage lending. We understand that each of our clients are different, and we work hard to help them with their immediate and long-term financial goals.
(407) 437-9119 1002 miles Lender's profile and map Reviews Prime Choice Lending LLC 2351 Rapollo Dr, Kissimmee, FL, 34741 We strive to obtain the perfect mortgage program to meet your individual needs. We will make sure you have all the available mortgage options to review so you can make the best decision possible. We know that every client has specific needs, so we strive to meet those needs with a wide array of mortgage products.
(248) 930-9438 1002 miles Lender's profile and map Reviews 1st Option Mortgage LLC 722 Patrick Street, Kissimmee, FL, 34741 We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for home loans that are right for you. Family owned and operated with the knowledge to help get you in the home of your dreams. Mortgage Brokers have access to more competitive interest rates.
(407) 329-5800 1002 miles Lender's profile and map Reviews Banczone 123 S Clyde Ave, Suite 201, Kissimmee, FL, 34741 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
407-931-3800 1002 miles Lender's profile and map Reviews Butler Mortgage 1012 W. Emmett Street, Suite B, Kissimmee, FL, 34741 Butler Mortgage was established in 1994 to serve the residential mortgage lending needs of the people of St. Cloud, Kissimmee, Harmony, Lake Nona and throughout Osceola County. We have had the pleasure and privilege to work with thousands of our neighbors, and have built deep roots as a trusted business in our community.
407 468 6726 1002 miles Lender's profile and map Reviews Aero Capital Finance 439 W Vine St, Kissimmee, FL, 34741 Aero Capital Funding has been in the finance industry for more than 19 years. The team worked hard to obtain experience with some of the largest companies in the nation such as: Wells Fargo Mortgage, Chase Mortgage, SunTrust, American Home Mortgage, PRMG, PRMI and many more. We know what is needed to provide a great customer experience and help you
(763) 404-7600 1002 miles Lender's profile and map Reviews Financial One Credit Union 843 40th Avenue NE, Columbia Heights, MN, 55421 Financial One Credit Union is a not-for-profit financial cooperative.We've been guiding our members to financial health since 1933. We listen to each member's life goals & provide financial solutions bringing value to their lives.Financial One Credit Union provides financial services to people who live, work, attend school, worship, or do business.
(662) 563-9311 1002 miles Lender's profile and map Reviews First Security Bank MS 295 Highway 6 West, Batesville, MS, 38606 We are ONE with the people we serve. For more than a half century, your cares have been our concerns. Your needs, our priorities. At First Security Bank, our growth remains rooted in being the ONE bank that can relate to everyone, with products and services that are number ONE. See what we can do together, as ONE.
(612) 372-5000 1002 miles Lender's profile and map Reviews Reliable Mortgage Inc 333 Washington Avenue North, Suite 300, Minneapolis, MN, 55401 Reliable Mortgage Inc. has maintained a reputation for exceptional service and competitive mortgage financing since 2001. The majority of our business is derived from referrals of past, satisfied clients and real estate agents. As a local business, we utilize market-leading lenders and secure the best loan program at the lowest possible rates.