USDA Vs. FHA Pro and Con comparison in Dobbs-Ferry, Westchester County, NY

In 2025, the USDA loan cap for Dobbs-Ferry, located in the county of Westchester, NY, is set at $0, while the FHA ceiling stands at $822,375 for a single-family residence.

Explore Lendersa®'s USDA loan calculator today to evaluate USDA and FHA rates. This tool can help determine the income, credit, reserves, and documents needed for eligibility. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA options side by side, so you can make the informed decision about which program in best suits your financial scenario.

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2025 lending limits and down payment requirements in Dobbs-Ferry, county of Westchester, NY

Type of Loan Limit Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Options for USDA and FHA Loans in Dobbs-Ferry, NY

The ambition of Lendersa® is to swiftly secure the best USDA or FHA loan for you, without the hassle. Choose from three options leading to matched lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which necessitate a 3.5% minimum down payment, USDA loans require none at all.

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



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