USDA VS FHA 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 .

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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.

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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?



Greenwood-Lake Lenders

  • Synergy Mortgage
  • 41 South Street, Suite A, Warwick, NY, 10990
  • Lends in New York
  • Our mission is to provide our clients sound advice together with true value. We also put a lot of emphasis on keeping our clients informed throughout the process, connecting you to a team of people to handle your file (you won't be bounced all over, repeating the same things again and again). It's actually going to be an enjoyable.

  • O&R Utilities Employees Federal Credit Union
  • 14 Talmadge Court, Monroe, NY, 10950
  • Lends in New York
  • On September 9, 1980 a small group of O&R Utilities Employees chartered the credit union. It was formed for the purpose of creating a place where employees could save and borrow safely, confidentially and at fair rates of interest. Our current location is at 14 Talmadge Court in Monroe, NY

  • Astar Home Capital Inc
  • 48 Bakertown Road, Suite 204, Monroe, NY, 10950
  • Lends in New York
  • Astar Home Capital, your best interest is our only goal. Putting this mindset into action, we focus on educating you as a customer, explaining the details and advantages of all the different options. Staying constantly in touch, our brokers go above and beyond, leaning on their years of experience, knowledge, and creativity to secure loans.

  • Capital M Inc.
  • 48 Bakertown Rd, Suite 303, Monroe, NY, 10950
  • Lends in New York
  • Capital M believes that the success of the mortgage depends on a smooth and efficient system. From origination until closing and beyond, The M Method is designed to take the confusion, headache, and uncertainty out of the equation.Mayer Gross and his team, has been helping people secure low-rate mortgages for more than 23 years.

  • THE MINT CAPITAL INC
  • 24 Gilbert St Extension, Monroe, NY, 10950
  • Lends in New York
  • At Mint Capital, we’ll help you get approved for your dream home. Show us the home you would like to purchase and we’ll advise you on the best options to make it yours. Our team has an unmatched, deep understanding of the mortgage application process and the strongest selection of loan options that other brokers aren’t aware of or cannot access.

  • The Everest Equity Company, Inc.
  • 2 Executive Blvd Ste 201, Suffern, NY, 10901
  • Lends in New York
  • The Everest Equity Company, Inc. is a corporation, founded in 2004, with an experienced,highly skille, & professional staff of Mortgage Brokers, along with an extensive support team, who specialize in meeting our clients’ unique mortgage needs.Our goal at the Everest Equity Company is to provide you with the smoothest and most comfortable mortgage.