USDA and FHA Pro and Con in Florida, Orange County, NY

In 2025, USDA loan limit in Florida, county of Orange, NY is $581,200 while FHA limit is $472,030 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.

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2025 loan limits and downpayment requirments in Florida, county of Orange, NY

Loan Type Loan Limit Down payment
USDA $581,200 0%
FHA $472,030 3.5%
Conventional Conforming $726,525 3%

USDA and FHA loan options in Florida, 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?



  • The Adirondack Trust Company
  • 473 Broadway, Saratoga Springs, NY, 12866
  • We’re the Adirondack Trust Company, and we go above and beyond to create solutions for people, businesses and our community. As a successful independent Bank that’s been serving this area for more than a century, we are vested in your success and committed to taking you and our community to greater heights.
  • Capital Bank
  • 3057 Route 50, Saratoga Springs, NY, 12866
  • Capital Bank opened for business on Wolf Road in the Town of Colonie in December of 1995. The Bank was founded by a group Albany-based business people and community leaders. The founders knew there was a niche for a new commercial bank in the Capital Region. Over the next 15 years, the forecast of the founders came to fruition,
  • The Funding Store LLC
  • 368 Broadway, Suite 12, Saratoga Springs, NY, 12866
  • The Funding Store is a Registered Mortgage Broker founded in 2010. At the time of establishment, the mortgage industry had experienced transition as a result of predatory lending and deceptive mortgage practices. Revisions to licensing laws along with additional education and test requirements were embraced and The Funding Store
  • 1 Core Financial
  • 3710 N Market St, Wilmington, DE, 19802
  • At 1 Core Financial where we aim to serve your mortgage, and real estate service needs in one place with a smile. Let us find, fund, and insure your real estate ventures. 1 Core Financial has helped numerous investors and new home owners realize their financial dreams. 1 Core Financial has developed unique banking relationships
  • WBG Commercial Lending
  • 488 Montchanin Rd, Montchanin, DE, 19710
  • WBG Commercial Lending specializes in Commercial Mortgage loans for commercial real estate including owner occupied and investment properties we offer loans of all types. WBG Commercial Lending provides commercial real estate loan solutions in Delaware, Pennsylvania, Maryland, Ohio, New Jersey ,New York and most other states.
  • Wilmington Police and Fire Federal Credit Union
  • 1701 Shallcross Avenue, Suite B, Wilmington, DE, 19806
  • The Wilmington Police & Fire Federal Credit Union is member-owned and directed organization dedicated to providing financial services to its members. We aspire to be your primary financial institution, providing an array of lifetime financial services to you & your family. We will provide efficient and accurate services in a cost justified manner.
  • Grant Payday Loans
  • 24A Trolley Square, Unit 4048, Wilmington, DE, 19806
  • Ever wanted to get a loan without heading to the other end of the city? Without crowds, anxiety, all the trouble? We wanted that too. That’s why we came up with grantloans.net, a friendly corner of the Internet where you can submit a loan for free. We are happy to introduce a platform that works entirely for customers’ convenience.
  • UPSTATE TELCO Federal Credit Union
  • 137 Harrison Street, Gloversville, NY, 12078
  • The Upstate Telco FCU, Charter #10746, was organized on March 20, 1956. There were 17 chartering members and the first Board of Directors, Credit, and Supervisory Committee members were elected at its first special meeting. The Credit Union is a non-profit financial institution that is owned and operated entirely by its members.
  • First Choice Financial Federal Credit Union
  • 355 Hales Mills Road, Gloversville, NY, 12078
  • First Choice Financial Federal Credit Union boasts over $152 Million in assets and is located in three great locations in Gloversville, NY and Broadalbin, NY. FCFFCU provides a wide range of quality financial services while preserving a competitive and stable financial institution. FCFFCU is a not-for-profit cooperative owned