USDA Vs. FHA Pro and Con comparison in Guilderland, Albany County, NY
During the year 2025, the USDA loan limit in Guilderland, county of Albany, NY, is specified as $336,500. In contrast, the FHA limit for a single-family house is set at $472,030.
To compare the very best rates available for USDA versus FHA loans today, make use of Lendersa® USDA loan calculator. It helps in determining the necessary income, credit score, reserves, and documentation needed for qualification. Our comprehensive mortgage calculator provides a detailed side-by-side view of USDA, FHA, Conforming, and VA loan options, assisting you in making an informed decision about the most suitable program for your financial situation in .
2025 Loan Limits and Down Payment Requirements in Guilderland, County of Albany, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Options in Guilderland, NY
Lendersa® aims to help you secure the best possible USDA or FHA loan in a quick and hassle-free manner. Begin by choosing one of three potential starting points, which connect you with matching lenders and USDA loan programs.
The USDA home loan, guaranteed by the government through the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is strictly available in rural regions. Unlike FHA loans, which require a minimum down payment of 3.5%, the USDA loan program does not require any down payment, offering a significant benefit to qualified borrowers.
Cedar Valley Bank & Trust is proud to be a locally owned full-service community bank. Our highest priority is serving and supporting the communities we serve. We look for individuals with a passion for community banking who will put the needs of our customers above everything else.
CBC Mortgage at First Federal Bank, our focus is this: to put our customers first. Since this division opened its doors in 1999, our commitment has always been to provide nothing less than an exceptional experience in everything we do. It is because of that unwavering dedication to service and our customers.
501 Centre Street, Suite 101, Fernandina Beach, FL, 32034
The professionals at Atlantic Mortgage Consultants are focused helping home buyers secure the best home loans in the Jacksonville, Amelia Island areas. When faced with the choice between dealing with a mortgage broker or a direct lender, home buyers quickly find that using us has distinct advantages.
Swan Financial, you will receive outstanding service from one contact throughout the entire mortgage process rather than being handed off from one department to the next. The most important financial transaction we make deserves constant communication and personalized attention. Protecting your personal information is a priority at Swan Financial
1910 South 14th Street #101, Fernandina Beach, FL, 32034
At Jet HomeLoans, LLC, we’re dedicated to providing you with top-flight resources and first-class service to help you reach your dreams of homeownership. Comprised of some of the top mortgage talent in the industry, our team of loan professionals is committed to guiding you through every step of the home financing process.
Capital City Home Loans is a top mortgage lending company in the Southeast. We are focused on our clients and their success, and driven by the communities we serve. Each Capital City Home Loans associate shares one priority: our client. Whether it is providing guidance through the application process
The Bank of Advance was established in 1902 to serve the financial needs of the community. Since that time, we've been investing in the area communities we serve to make them better places to live and work. Our high level of personal service and dedication is evident as we strive to satisfy our customers' financial needs & promote our communities.
We’ve been building a strong legacy for our customers and communities since 1887. Yeah, we’ve been doing this for a long time. In 1994, we became a publicly traded company. In 2009, we began to grow exponentially. Today, with $2.4 billion in assets, we serve more than 40 communities in Missouri, Arkansas, and Illinois.
Four Seasons Federal Credit Union is a financial institution in Lee County Alabama serving those who live, work, worship, or attend school in Lee County. We offer convenient financial services and a full array of savings, checking, and loan products to meet our member's financial needs.
Green Street Mortgage Lenders, where we specialize in residential mortgages. At Green Street Mortgage Lenders, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
BNB & Associates, LLC is your premier one stop shop real estate broker, mortgage broker and residential contractor. We service the great states of Alabama and Georgia. We list homes, sell homes, finance homes and build homes. We offer Conventional, FHA, USDA, VA, High Balance, Construction, Non-QM and Commercial Loans.
