USDA Vs. FHA Pro and Con comparison in Greenburgh, Westchester County, NY

For the year 2026, the USDA loan limit in Greenburgh, located in the county of Westchester, NY, is set at $0. Meanwhile, the FHA loan limit for a single-family home stands at $1,089,300.

Employ the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates and to determine the necessary income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the most appropriate program for your financial circumstances in .

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2026 Loan Limits and Down Payment Requirements in Greenburgh, Westchester, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Choices in Greenburgh, NY

The aim of Lendersa® is to expedite your access to the optimal USDA or FHA loan efficiently and effortlessly. Choose one of three starting options to connect with lenders and utilize USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, endorsed by the Department of Agriculture and also known as a USDA Rural Development Loan, is designated for rural areas only. Unlike FHA loans that mandate a minimum down payment of 3.5%, 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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