USDA and FHA Pro and Con in Greenwich, Washington County, NY

In 2026, the USDA loan limit in Greenwich, within Washington, NY, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to explore and contrast today's top USDA vs. FHA rates, assessing the income, credit, reserves, and documentation required to qualify. Our advanced mortgage calculator offers side-by-side comparisons of USDA, FHA, Conforming, and VA programs, guiding you to choose the best fit for your financial situation in .

Evaluate loan offers from 100 lenders

2026 Loan Limits and Down Payment Needs in Greenwich, Washington, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Alternatives in Greenwich, NY

Lendersa® is dedicated to securing the optimal USDA or FHA loan options swiftly and hassle-free. Choose one of three starting points to align with matching lenders and relevant USDA loan programs.

Visual of Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan is backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA mortgage requires no down payment, making it a unique option.

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



  • Starr Mortgage Company Inc
  • 15 North Mill Street, Suite 215, Nyack, NY, 10960
  • Starr Mortgage Company, Inc. has quickly become a benchmark in the mortgage industry. Our headquarters is located in Nyack, NY in the historic Hudson Valley Region of New York, however our area of influence and expertise ranges all the way from Rockland and Westchester Counties, throughout all 5 boroughs of New York City.

  • Stamford Healthcare Credit Union
  • 4 Hospital Plaza, Stamford, CT, 06902
  • Stamford Healthcare Credit Union, Inc., where we have been "People Helping People" since 1978. As part of SHCCU, you can choose from a variety of services and enjoy quick, friendly service. We serve employees of the Stamford Health System and members of their immediate family. SHCCU is a legal cooperative, and you are one of the owners.

  • Siena Lending Group LLC
  • 9 W. Broad Street, Stamford, CT, 06902
  • Siena Lending Group LLC is an independent specialty finance company offering asset based loans between $2 and $30 million to middle market businesses across the United States. Our clients typically cannot access traditional financing from banking institutions.
    Siena also offers a turn-key servicing platform for community

  • A.J.T.M Financial Group, Inc.
  • 1266 E. Main Street Suite 700R, Stamford, CT, 06902
  • A.J.T.M Financial Group, Inc. we have been Funding Commercial and Residential Loans since 2006.We are a Direct Nationwide Lender from $75,000 - $5,000,000. Loans over our Max Loan Amount can still be Funded with our Portfolio of Participating Funding Partners.Between A.J.T.M. Financial Group, Inc.

  • Hudson United Mortgage
  • 95 S. Middletown Road, Nanuet, NY, 10954
  • Hudson United Mortgage, LLC is a licensed mortgage banker by NYS Dept of Financial Services / Licensed by NJ Dept of Banking and Insurance, and is not affiliated with Hudson United Bank. When real estate agents told us that their clients were frustrated with the mortgage process, we started Hudson United Mortgage. When you work with a real estate a

  • The First Bank of Greenwich
  • 444 East Putnam Avenue, Cos Cob, CT, 06807
  • When you walk into The First Bank of Greenwich, it doesn’t feel like a bank. It feels like a place that can only be described as quintessentially Greenwich. That’s because we are so ingrained into the community that our customers – whether individuals or small business owners – feel instantly at home here.

  • Speritas Capital Partners
  • 14 Relay Place, Greenwich, CT, 06807
  • As a business owner you need diverse sources of funding to fuel your growth – for a business acquisition, real estate purchase, equipment purchase, mobilization financing, working capital and more. Some capital needs are expected and can be planned for and carefully structured, others are urgent.

  • Members Credit Union
  • 126 East Putnam Ave, Cos Cob, CT, 06807
  • Members Credit Union was started in 1935 by nine Greenwich, CT school teachers who were not able to get small loans at the local banks. They came together to form a cooperative, pooled their money and lent it to each other. They were proud to help each other meet their needs. Through the years we expanded our services to include other school staff.

  • Bank of Easton North Easton
  • 275 Washington St, North Easton, MA, 02356
  • Bank of Easton provides traditional banking services to the surrounding communities.

    our Bank proudly opened its doors to the public for the first time. We are excited to continue to serve our customers and the Easton community and look forward to writing many new chapters in the history of our Bank and our community – together!