USDA and FHA Pro and Con in Croton-on-Hudson, Westchester County, NY

In the year 2026, the USDA loan ceiling in Croton-on-Hudson, situated in the county of Westchester, NY, is set at $0, whereas the limit for an FHA loan stands at $1,089,300 for a single-family residence.

Take advantage of the Lendersa® USDA loan calculator to scrutinize today's best USDA and FHA rates, and ascertain the income, credit, reserves, and necessary documentation for qualification. Our sophisticated mortgage calculator allows a comparison of USDA, FHA, Conforming, and VA loans side by side, aiding you in determining the most suitable program in for your financial circumstances.

Explore loan options from a pool of 100 lenders

Loan limits and down payment requirements for 2026 in Croton-on-Hudson, county of Westchester, NY

Type of Loan Maximum Loan Amount Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Loan possibilities: USDA and FHA in Croton-on-Hudson, NY

The mission of Lendersa® is to secure you the most advantageous USDA or FHA loan quickly and with minimal fuss. Choose one of three pathways to connect with matching lenders and available USDA loan schemes.

Lendersa USDA loan request and match outcomes

Defining USDA Loan in NY

A USDA home loan is a government-backed loan by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage. It is exclusively offered in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA mortgage demands no down payment at all.

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



  • Targetcost Realty
  • 2634 South Carrier Parkway, Suite 107, Grand Prairie, TX, 75052
  • Targetcost Realty For most families, choosing a new home is the biggest financial decision they will ever make. There are many complicated decisions involved in choosing a home. As the top team of real estate professionals in the local market, we'll negotiate the best prices and terms for you and answer all of your questions as they arise

  • Flasher Community Credit Union
  • 105 N Main Street, Flasher, ND, 58535
  • Flasher Community Credit Union is a community chartered credit union open to all people living within a 50-mile radius of Flasher, ND. We have been in business since 1939 serving the financial needs of our members.

    The credit union is a financial cooperative owned by its members.

  • COMANCHE COUNTY FEDERAL CREDIT UNION
  • 916 W Gore Boulevard, Lawton, OK, 73501
  • Comanche County Federal Credit Union has been open since 1964. The credit union has assets totaling $33.98 Million and provides banking services to more than 4, 000 members.

    The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups

  • Liberty National Bank
  • 629 Southwest C Ave, Lawton, OK, 73501
  • Liberty National Bank is a real bank for real people; a bank you can trust in and grow with.
    We believe in hard work, can-do attitudes, and helping people get ahead.
    Above all, we’re committed to providing our customers with personalized banking relationships based on their individual needs and financial goals.

  • Corporate Capital LLC
  • 610 Uptown Boulevard, Suite 2000, Cedar Hill, TX, 75104
  • ince 2013, Corporate Capital, LLC has strived to operate as a trusted source for borrowers in need of funding. Our staff is trained to help you get the best loan option for your property or project. We offer the best loan programs designed to meet the needs for the traditional borrowers with verifiable income to the self employed .

  • Caltex Funding LP
  • 1600 Airport Freeway, Suite 200, Bedford, TX, 76022
  • Caltex Funding has been serving Texans since 2006. We help you find the best loan to fit your needs. We specialize in Purchase and Refinance transactions. We arrange FHA, VA, Conventional and Rural Housing loans. Unlike big banks that have order takers helping you with your loan, we have highly skilled loan consultants.

  • Ellis County Teachers & Employees Federal Credit Union
  • 61 Northgate Drive, Waxahachie, TX, 75165
  • Ellis County Teachers & Employees Federal Credit Union, you’re a member, not a number. Our goal is to put our members first in all we do.We provide products and services that help the financial stability and economic growth for both our members and our community. As part of your community, we plan for the future to help individuals achieve.

  • Mid-Tex Mortgage, LLC
  • 130 Chieftain Drive, Suite 103, Waxahachie, TX, 75165
  • We have been originating mortgage loans for over 24 years here in the Dallas and Ellis County area. We pride ourselves on providing our customers with the perfect loan for their situation, good rates and personal service. We work diligently to make your lending experience a good one.

  • Apple Capital Group, Inc.
  • 201 E Abram St, Suite 120, Arlington, TX, 76010
  • Apple Capital Group, our main goal is to provide our clients with a full line of small business asset based loans. We are truly committed to understanding your exact business requirements and will gladly help you overcome future challenges. we are dedicated to empowering our clients to meet these challenges and to achieve the growth.

  • Vista Mortgage Corp
  • 219 Billings St, Suite 360, Arlington, TX, 76010
  • Vista Mortgage Corp., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Francis Colonial Mortgage
  • 318 W Main St, Arlington, TX, 76010
  • Our mission is to serve you 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