As of 2025, the USDA loan limit in Galway, located in Saratoga, NY, is set at $336,500, whereas the FHA limit for a single-family dwelling is $472,030.
Employ the Lendersa® USDA loan calculator to evaluate today's top rates for USDA versus FHA loans, and ascertain the required income, credit scores, reserves, and documentation for qualification. With the help of our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans simultaneously to determine which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to facilitate acquiring the optimal USDA or FHA loan speedily and effortlessly. Choose from three starting strategies that lead you to match with lenders and suitable USDA loan programs.
A USDA loan, endorsed by the U.S. Department of Agriculture, is sometimes called a USDA rural development loan or USDA mortgage. It is intended only for use in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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