In 2025, the USDA loan limit in Gardnertown, part of Orange, NY, is $581,200. The FHA limit, in contrast, is $472,030 for a single-family home.
Utilize the Lendersa® USDA loan calculator to assess today's best USDA and FHA rates. Discover the income, credit, reserve requirements, and documents needed for qualification. This advanced mortgage calculator displays USDA, FHA, Conforming, and VA loan comparisons side by side, aiding your decision for the most suitable program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $581,200 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,525 | 3% |
Lendersa® aims to swiftly connect you with the most suitable USDA or FHA loan, free from stress. Opt for one of three starting avenues that match you with lenders and USDA programs.
The USDA home loan, authorized by the Department of Agriculture—also known as a USDA rural development loan or mortgage—is exclusively available in rural regions. Unlike FHA loans, which need 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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