USDA and FHA Pro and Con in Hartsdale, Westchester County, NY

In 2026, the USDA loan limit in Hartsdale, county of Westchester, NY, is $0, while the FHA limit for a single-family property is $1,089,300.

Utilize Lendersa®'s USDA loan calculator to assess and compare today's top USDA versus FHA rates. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the best fit for your financial situation in .

Explore loan offers from a diverse pool of 100 lenders

2026 Loan Limits and Down Payment Requirements in Hartsdale, Westchester, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Choices in Hartsdale, NY

The aim of Lendersa® is to efficiently connect you to the best USDA or FHA loan without any hassle. Choose from three starting points to engage with lenders and investigate USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

USDA home loans, guaranteed by the Department of Agriculture—also known as USDA rural development loans or mortgages—are available only in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans have no such requirement.

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



Hartsdale Lenders

  • Faze One Funding Limited Liability Company
  • 10 Rutland Road, Scarsdale, NY, 10583
  • Lends in New York
  • Faze One Funding, LLC is a Mortgage Broker offering automated tools, cutting-edge technology, and excellent customer service for originating forward and reverse loans. Faze One offers great rates and superb customer service. Faze One believes that You’re Always #1. We offer borrowers a wide variety of mortgage programs.

  • CITYSCAPE MORTGAGE CORP.
  • 700 WHITE PLAINS ROAD, SUITE 334, Scarsdale, NY, 10583
  • Lends in New York
  • Cityscape Mortgage Corp. we understand that whether you are buying a home, refinancing your current mortgage, or pursuing a reverse mortgage you are entrusting us with your most significant financial decisions. Our mission is to make this process as effortless as possible for our clients, by providing the expert guidance they need.

  • Educational & Governmental Employees FCU
  • 333 N Central Avenue, Hartsdale, NY, 10530
  • Lends in New York
  • Established in 1937, Educational and Governmental Employees Federal Credit Union is a safe, secure, and full service financial institution, serving nearly 7, 300 members. We pride ourselves on offering outstanding service and providing members with the tools and resources for a brighter financial future.

  • M1 Capital Corp
  • 50 Main St, Suite 1000, White Plains, NY, 10606
  • Lends in New York
  • M1 Capital Corp. is based in White Plains and New York City, New York and specializes in acquisition financing and refinancing outstanding CRE loans, restructuring current debt and delivering smart, effective solutions through a variety of loan options: conventional financing, private equity real estate lending, SBA 504 and 7a programs.

  • Probate Advance - Inheritance Loans
  • 100 Fisher Ave., Suite 952, White Plains, NY, 10606
  • Lends in New York
  • Probate Advance is a company that focuses on providing funding options to beneficiaries and heirs of probate cases. When a beneficiary of case is in need of funding and cannot wait the months, or years, for an estate distribution we can purchase a portion of their beneficial interest, at a discount, to enable the heir to access.

  • ARLINGTON FINANCIAL CORPORATION
  • 35 E Grassy Sprain Rd #300, Yonkers, NY, 10710
  • Lends in New York
  • We’re a full service mortgage brokerage company with an experienced staff offering expertise in every area of mortgage brokering.. from purchases to refinances.We have access to a full range of mortgage sources & all of our lending specialists are dedicated to finding the right loan – with the best rates, terms and costs – to meet our clients.

  • Jennings Realty Agency Corp
  • 214 Mamaroneck Avenue, White Plains, NY, 10601
  • Lends in New York
  • Jennings Financial Advisory Corp provides in house services for mortgages / finances, real estate and insurance.This breadth of coverage, combined with specialist services, means we'll always have an expert who is relevant to you.Our business is built on trust and integrity and that is what gives our clients, colleagues and partners.

  • Direct Lending Group
  • 34 South Broadway, White Plains, NY, 10601
  • Lends in New York
  • Loan Fundr is a private Nationwide commercial lender headquartered in New York, offering many financing options, including: bridge financing, hard money loans, private lending, commercial real estate financing, structured joint venture financing, permanent financing, mezzanine financing, construction loans and acquisition financing

  • HARRISON TEACHERS FEDERAL CREDIT UNION
  • 33 Oakland Avenue, Harrison, NY, 10528
  • Lends in New York
  • Harrison Teachers Federal Credit Union has been open since 1938. The credit union has assets totaling $1.78 Million and provides banking services to more than 300 members.

    The credit union is a not-for-profit, member-owned financial cooperative providing services to members in the education community.