During the year 2026, the USDA loan cap in Darien, within the county of Genesee, NY, is $336,500. For a single-family home, the FHA limit is $472,030.
To evaluate and compare the top USDA versus FHA rates for the day and to ascertain income, credit, reserves, and necessary documentation for eligibility, utilize the Lendersa® USDA loan calculator. This advanced tool allows you to assess USDA, FHA, Conforming, and VA options side by side, providing insight into which program in
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| Loan Type | Loan Cap | Down Payment Required | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
Lendersa® is committed to helping you secure the best USDA or FHA loan quickly and without stress. Choose from three starting points to find matching lenders and USDA loan offerings.
A USDA home loan is secured by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, specifically available for rural areas. In contrast to FHA loans requiring a minimum of 3.5% down, USDA mortgages demand no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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