USDA and FHA Pro and Con in Greenwood-Lake, Orange County, NY

For 2026, in Greenwood-Lake within Orange, NY, the USDA loan limit is $581,220, while the FHA loan cap for a single-family home is $356,500.

Utilize the Lendersa® USDA loan calculator to compare today’s top USDA versus FHA rates and determine the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you select the best option for your financial situation in .

Explore loan offers from a hundred lenders

2026 Loan Limits and Down Payment Requirements in Greenwood-Lake of Orange, NY

Type of Loan Loan Limit Down Payment
USDA $581,220 0%
FHA $356,500 3.5%
Conventional Conforming $726,525 3%

Explore USDA and FHA Loan Opportunities in Greenwood-Lake, NY

Lendersa® strives to deliver the best USDA or FHA loan quickly and without hassle. Choose from three starting points to connect with suitable lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan is a government-backed mortgage facilitated by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. It is specifically for rural areas. Unlike FHA loans that demand a minimum 3.5% down payment, the USDA mortgage requires no down payment.

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



  • IRS Buffalo Federal Credit Union
  • 130 South Elmwood Avenue, Room 147, Buffalo, NY, 14202
  • The IRS Buffalo Federal Credit Union is a not-for-profit member owned and operated financial institution established to meet the needs of its members and members of their families.

    The IRS Buffalo Federal Credit Union received its charter on February 1, 1957, thanks to some determined IRS employees

  • BUFFALO POLICE FEDERAL CREDIT UNION
  • 68 Court Street, Suite 180, Buffalo, NY, 14202
  • The Buffalo Police Federal Credit Union was founded on March 26, 1936. We are proud to serve the dedicated employees of the Buffalo Police and Fire Department. Our earnings are passed on to the membership in the form of better rates, costs, and services. and also The Buffalo Police Federal Credit Union strives to provide quality financial services

  • First Bank 1
  • 112 W King St, Strasburg, VA, 22657
  • With a name like First Bank, of course we believe there’s power in one. You make a better world one person at a time. And you build a better bank one satisfied customer at a time.

    You are an individual, unlike any other. Your unique wants and needs drive this bank to be different, better, a cut above the rest. You are our “why, ” “who” and “ho

  • Clarion County Community Bank
  • 333 Main Street, Clarion, PA, 16214
  • Clarion County Community Bank Provides Banks, Loans, Mortgage, Online Banking, Personal Banking, Business Banking, Mobile Banking to the Clarion, PA Area. Clarion County Community Bank is committed to ensure the safety of your financial information. We would like to remind you that e-mail messages are not secure.

  • Lockport Schools Federal Credit Union
  • 360 S Transit Street, Lockport, NY, 14094
  • Lockport Schools Federal Credit Union, chartered in 1966, is a member-owned, not-for-profit organization whose objective is to meet the financial needs of our members through professional, courteous service with a personal touch. We take great pride in helping our members get the best value for their dollar.

  • Cornerstone Community FCU
  • 6485 S Transit Road, Lockport, NY, 14094
  • Cornerstone is a credit union/financial cooperative that has been serving Western New York since 1957. We began as Unit No. 1 Federal Credit Union, serving the employees of Harrison Radiator Division of General Motors. Anyone who lives, works, worships, goes to school or volunteers in Niagara or Erie County can join our credit union.

  • Virginia Partners Bank
  • 410 William Street, Fredericksburg, VA, 22401
  • Virginia Partners Bank® and Maryland Partners Bank® because we believe that our residents and businesses deserve a local bank. We enjoy living here and getting to know our neighbors, the people we do business with. We’re active in the community, love its history, and offer support by donating our time, talents, and resources.

  • Security Trust Mortgage LLC
  • 1407 Hearthstone Drive, Fredericksburg, VA, 22401
  • At Security Trust Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you & your family from the many mortgage options

  • NEW DOMINION FINANCIAL
  • 2093 Jefferson Davis Hwy, Fredericksburg, VA, 22401
  • NEW DOMINION FINANCIAL, our mission is to set a high standard in the loan industry. We are committed to quality customer service - putting the people we serve first.Our goal is to carefully guide you through the loan process, so that you can confidently select the best loan for you & your company from the many loan options that are available today.

  • SJP Federal Credit Union
  • 341 Englewood Avenue, Buffalo, NY, 14223
  • SJP Federal Credit Union was established in 1939 and is now one of the fastest growing, industry leading credit unions in Western New York. At SJP Federal Credit Union, people truly are worth more than money and SJP Federal Credit Union Specialties in Auto Loans, Boat & RV Loans, Member Business Loans, and CDs, IRAs, & Money Market Accounts

  • Morton Lane Federal Credit Union
  • 388 Englewood Avenue, Buffalo, NY, 14223
  • Morton Lane Federal Credit Union is committed to serving its members' financial needs by providing the ultimate in banking convenience, excellent member service, convenient branch locations, competitive savings and loan programs and much more. We offer convenient 24 hour access to your accounts