FHA Vs. USDA loan program for Colonie, Albany County, New York

For 2025, the USDA loan limit in Colonie, located in Albany, NY, is $336,500, and the FHA limit for a single-family home is $472,030.

Employ the Lendersa® USDA loan calculator to compare today’s best USDA and FHA rates, evaluating required income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, helping you choose the best option for your financial needs in .

USDA and FHA Loan Options in Colonie, NY

Lendersa® aims to quickly and easily find the best USDA or FHA loan for you. Start by selecting one of three strategies to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, also called a USDA Rural Development Loan or USDA mortgage, is backed by the Department of Agriculture. It is available in rural areas only and requires no down payment, differing from FHA loans that require a minimum of 3.5%.

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(509) 235-6533 Lender's profile and map Reviews Cheney Federal Credit Union 520 First Street, Cheney, WA, 99004 Cheney Federal Credit Union has been serving members and our local community since 1951. We provide convenient and low-cost financial services to those who live, work, worship or attend school in the Cheney and Medical Lake School Districts and their immediate family members. CFCU is a member-owned, not-for-profit financial institution.
(520) 449-3313 Lender's profile and map Reviews Westar Mortgage & Realty 1775 W Wimbledon Way, Tucson, AZ, 85737 WESTAR® has arranged funding of thousands of residential and commercial loans, plus subdivisions throughout Arizona in Tucson, Green Valley, Nogales, Sierra Vista, Douglas, Benson, Yuma, the Phoenix area, Flagstaff, Bullhead City, Show Low, Casa Grande, Arizona City, and Apache Junction.
(602) 578-6140 Lender's profile and map Reviews Independent Mortgage Advisors, LLC 1698 East Adelante Way, Queen Creek, AZ, 85140 Independent Mortgage Advisors originates all types of residential loans in Arizona & California, and was created using a client- focused model- NO fee options, great rates, exceptional service, and above all, the integrity to ALWAYS put the best interest of the client first. We are there for our clients every step of the way
(877) 696-4687 Lender's profile and map Reviews House Loans Mortgage Services Corp. 38058 N Dena Dr, Suite 4427, San Tan Valley, AZ, 85140 We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.
(480) 939-4485 Lender's profile and map Reviews Driven Lending LLC 39701 N. Country Ln, San Tan Valley, AZ, 85140 Driven Lending is an Arizona-Based company, established in 2019. At Driven, we believe that the process of purchasing or refinancing a home should be one of the most rewarding experiences of your life and we are taking a stand against the transactional nature of the process by making it fun and enjoyable.
(602) 573-3101 Lender's profile and map Reviews ELECTRUM FINANCIAL PLLC 27610 N 47th St, Cave Creek, AZ, 85331 Our mission is to provide financial services to the entire population of people, not just individuals that are able to meet today’s stringent documentation guidelines. We specifically aim to empower underbanked homeowners and communities by providing access to prime capital. Electrum Financial PLLC is a mortgage broker
(480) 999-0086 Lender's profile and map Reviews Covenant Home Loans 748 Easy Street, Suite 5, Carefree, AZ, 85377 Covenant Home Loans is an Independent Mortgage Broker owned and operated by Nick Vallario. With over 30 years of experience in mortgage banking, both as a Mortgage Broker and a Mortgage Banker, Nick is uniquely qualified to assist you with your home financing. In working with Nick, you will avoid high overhead costs associated with multi-layered
(775) 289-4441 Lender's profile and map Reviews The First National Bank of Ely 595 Aultman Street, Ely, NV, 89301 Our banking facility is located in the picturesque, historic town of Ely, White Pine County, Nevada. The First National Bank of Ely has the distinct honor of holding the oldest bank charter in the great state of Nevada – we celebrated a century of service in 2007. We continue this long history of customer service
(602) 362-6634 Lender's profile and map Reviews ABLEnding, Inc 11571 East Ranch Gate Road, Scottsdale, AZ, 85255 Our mission is to make sure all our clients are comfortable and educated about the mortgage process. It doesn’t have to be stressful to get a mortgage or refinance a home. ABLEnding, Inc. works with clients from start to finish. This is because we want to simplify and clarify what could otherwise be a long and arduous transaction.
(425) 591-3471 Lender's profile and map Reviews Trusted Mortgage Inc. 7621 East Rose Garden Lane, Scottsdale, AZ, 85255 Trusted Mortgage, Inc. is a full service Mortgage Broker lending in Washington, Arizona, and California. With over 16 years of experience in home lending, we have the knowledge and support to close loans on time while providing the best customer service throughout the loan process. We offer many options for your lending needs.
(480) 415-7969 Lender's profile and map Reviews Western Capital Lending 24491 North 72nd Way, Scottsdale, AZ, 85255 At WCL Mortgage. We are a local, full-service mortgage company based in Arizona. We specialize in a low cost mortgage solution that benefits today’s home buyer. also we offer Conventional, FHA, VA and Jumbo mortgage lending in Phoenix, Arizona. WCL Mortgage has redefined the mortgage process with you in mind.