USDA Vs. FHA Pro and Con comparison in Harrietstown, Franklin County, NY

For 2025, the USDA loan limit in Harrietstown, within Franklin, NY, stands at $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today's best USDA and FHA rates. Determine the required income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side to decide which program in suits your financial needs best.

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Loan Limits and Downpayment Requirements for 2025 in Harrietstown, Franklin County, NY

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

Options for USDA and FHA Loans in Harrietstown, NY

Lendersa® aims to swiftly provide you with the best possible USDA or FHA loan without difficulty. Choose one of three pathways resulting in matching lenders and USDA loan offerings.

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Understanding the USDA Loan in NY

A USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the Department of Agriculture and only available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans need no down payment.

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



  • 9x Mortgage LLC
  • 1312 17th Street, Suite 146, Denver, CO, 80202
  • 9x Mortgage will get you the best mortgage rate you qualify for. We are always upfront, honest, and transparent. Give us a quick call and one of our staff members will treat you like royalty. Normally we can let you know what we can do for you by the end of our first conversation. After we understand your financing needs.
  • American Capital Financial LLC
  • 1675 Broadway, Suite 1950, Denver, CO, 80202
  • American Capital Financial our goal is to get you the best possible home loan for your situation while offering you the best possible services. Since 2004, we have been committed to educating our borrowers on home mortgage loans in the Colorado and Wyoming areas. Give us a call to get a conversation started and learn why mortgage loans.
  • Loan Verify Inc
  • 999 18th Street, Suite 3000, Denver, CO, 80202
  • At LoanVerify, we wanted a more transparent mortgage process. So we built it ourselves. To get started, download the app, answer seven questions, and see all your mortgage options in the palm of your hand. It's that simple. Compare rates and closing costs, snap a pic or upload your required documents from Google Drive.
  • Hunter Lending LLC
  • 1630 Welton Street, Suite 916, Denver, CO, 80202
  • "Hunter Lending saves time and reduces cost by providing customized mortgage solutions to assist clients in achieving their financial goals and objectives. Founded in 2003 by Ryan Hunter, our mission has been to provide the highest level of service resulting in the best customer experience."
  • Yellowstone Mortgage Inc
  • 1499 Blake Street, Suite 1D, Denver, CO, 80202
  • Yellowstone Mortgage is a Denver, Colorado based mortgage company specializing in purchases, refinance, and debt consolidation. Whether you are a first time home-buyer, looking to refinance your current property, or interested in moving, we provide our clients with unmatched customer service as they pursue their home-ownership goals.
  • 5280 Financial Group Inc
  • 600 17th Street, Suite 2800 South, Denver, CO, 80202
  • "5280 Financial Group, Inc. Colorado's best source for home purchase and refinance! We are a family owned Colorado Mortgage Company located right here in Denver with an A+ rating with the BBB. We service all of Colorado and are known as one of the best local sources for your Home Purchase and Refinance! So whether you are first time home buyers"
  • Front Range Mortgage
  • 600 17th St, Unit 2800, Denver, CO, 80202
  • Front Range Mortgage is a local Colorado-only mortgage lender for all types of Colorado homeowners. From VA to FHA, Conventional; Purchase, rate & term or cash out; Investment, second homes, etc. We have a long and proven history (see our reams of testimonials) of helping our clients through the maze of modern mortgage lending
  • American United Capital Inc.
  • 730 17th Street , Suite 650, Denver, CO, 80202
  • American United Capital, Inc. strives to address the borrower's immediate capital needs and timing concerns. American United Capital, Inc. is a private commercial and non-owner-occupied residential real estate lender. We provide short-term, equity-based financing for borrowers when traditional sources are unavailable or untimely. Property is the
  • Porter Federal Credit Union
  • 850 E Harvard Ave, Suite G-45, Denver, CO, 80210
  • Porter Federal Credit Union serves the employees of Centura Health – we are located on the campus of Porter Adventist Hospital in Denver. Our office is located in the Harvard Park West medical building behind Porter Adventist Hospital at: 850 E Harvard Ave G-45, Denver, CO 80210.