For 2026, the USDA loan limit in Congers, situated in Rockland, NY, is set at $0. Meanwhile, the FHA loan limit for an individual family home is $1,089,300.
Use the Lendersa® USDA loan calculator to compare the top USDA and FHA rates available today. It helps you understand the necessary income, credit rating, reserves, and documentation required for eligibility. Featuring our cutting-edge mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side to decide which loan program is best suited for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
The aim of Lendersa® is to help you secure the most advantageous USDA or FHA loan quickly and with minimal effort. You can select one of three initial approaches that align you with lenders and USDA loan options.
A USDA home loan, endorsed by the Department of Agriculture, is alternatively known as a USDA rural development loan or mortgage and is specifically available in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage requires no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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