USDA Vs. FHA your options comparison in Cortlandt, Westchester County, NY

In 2025, USDA loan limit in Cortlandt, county of Westchester, NY is $0 while FHA limit is $1,089,300 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Cortlandt, county of Westchester, NY

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA loan options in Cortlandt, 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.

Lendersa USDA loan request and matching results

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Harmony Mortgage
  • 699 Hampshire Rd. Suite 210, Westlake Village, CA, 91361
  • Harmony Mortgage Bankers was established in 2007 and since then the company and licensed mortgage professionals have been providing mortgage lending services to home buyers and real estate professionals throughout the state of California. We offer a wide variety of loan options with extremely competitive rates and fees.
  • Business Loan Services
  • 5515 Pacific Street, Suite 3463, Rocklin, CA, 95677
  • We offer competitive residential rates for owner occupied & investment property loans. Your source for Commercial and SBA Funding with over 37 years of experience. We know where to find the money. We will evaluate the options, fill out tthe paperwork, and present your loan to multiple lenders.
  • Full Force Funding LLC
  • 4759 Sweeney Circle, Rocklin, CA, 95677
  • Full Force Funding is a direct lender for real estate investors renovating properties throughout American neighborhoods. With our strong Fix & Flip Financing program and established relationships with national investors and institutional partners, we aim to provide value to your business and grow your bottom line.
  • Revive Mortgage, Inc.
  • 4230 Rocklin Road, Suite 200, Rocklin, CA, 95677
  • Revive Mortgage and has extensive knowledge in the Mortgage and Financing business. With a Bachelors Degree in Finance and personal hands on experience in Real Estate, Real Estate Investing and Mortgages he is able to help his clients navigate through the entire process seamlessly and effortlessly.
  • TSG Lending Inc
  • 4465 Granite Drive, Suite 1019, Rocklin, CA, 95677
  • TSG Lending providing a more productive environment to work in. For example, through our website you can submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios.
  • Continental Mortgage Operations
  • 5875 Pacific Street, Suite E5, Rocklin, CA, 95677
  • Our experienced professionals are driven to attain premier financing options to best suit your financing needs. Providing over 30 years of quality service to California Residents, you can feel confident in trusting your financing needs to us.Our Operatives have a wealth of knowledge & are focused on helping you achieve the dream of home ownership.
  • MAE Capital Real Estate and Loan
  • 4940 Pacific Street, Rocklin, CA, 95677
  • Mae Capital Real Estate and Loan is a mortgage broker with operations in one state. Mae Capital Real Estate and Loan offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA and reverse mortgages. Mae Capital Real Estate and Loan is a FREEandCLEAR Certified Bronze Low Rate Lender.
  • AMK Home Loans, LLC
  • 552 B Street, Ashland, OR, 97520
  • AMK Home Loans, LLC founder of the Dave Kaufman since the 90s I’ve been involved in all phases of real estate – from buying to selling and managing properties. This means I have the benefit of a holistic perspective of the buying process, from start to finish. My goal is to make every transaction as stress free as possible for my clients.
  • Commerce Financing Home Mortgage
  • 14670 Cantova Way, Suite 226, Rancho Murieta, CA, 95683
  • At Commerce Financing we pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique
  • Tobias Mortgage Company
  • 110 Gateway Dr #130 Lincoln, CA, Lincoln, CA, 95648
  • Tobias Mortgage is one of the best mortgage Roseville Lending Company. We offer 30 years Term Mortgage Loan service as it is most desirable and makes it easy for you to repay a large amount of loan every month. From the past 13 years we are providing mortgage services to people who are unable to build a house due to lack of money.
  • Simpson Real Estate and Loan Inc
  • 2265 Torc Mountain, Lincoln, CA, 95648
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans and real estate services to our clients while providing them with a smooth transaction along with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks.
  • Lighthouse Mortgage Company, Inc.
  • 570 East 5th Street, Suite 150, Lincoln, CA, 95648
  • Lighthouse Started in 1983 and grew thru out the Bay Area and expanded to the Sacramento Region in 2001. We specialize in every type of financing program from conventional, FHA, and USDA, to commercial and hard money lending as well. We have provided top level service both in our mortgage loans as well as our real estate agents