USDA VS FHA in Hawthorne, Westchester County, NY

In 2025, the USDA loan limit for a single-family home in Hawthorne, county of Westchester, NY, is $0, whereas the FHA limit is $1,089,300.

Employ the Lendersa® USDA loan calculator to contrast today’s best USDA and FHA rates. It helps assess income, credit, reserves, and documentation required for eligibility. Using our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA loans side by side to determine which program in suits your financial needs.

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2025 Loan Limits & Down Payment Requirements in Hawthorne, 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 Hawthorne, NY

Lendersa® strives to swiftly connect you with the ideal USDA or FHA loan, hassle-free. Choose one of three starting points to engage with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Overview of USDA Loans in NY

A USDA home loan is supported by the Department of Agriculture, also referred to as a USDA mortgage or rural development loan, and is only available in rural areas. Unlike FHA loans, which demand a minimum down payment of 3.5%, USDA mortgages require no down payment.

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



  • Transit Authority Division B FCU
  • 3961 10th Avenue, Room 230, New York, NY, 10034
  • Since its inception in 1935 the Transit Authority Division B Federal Credit Union has been serving its members in the NEW YORK, New York area with exceptional financial products. Currently led by Robert Potter, the Transit Authority Division B FCU has grown its membership to over 1, 785 with assets of more than $5, 903, 219.
  • Approved Funding
  • 41 Grand Avenue, River Edge, NJ, 07661
  • Approved Funding is a multi-state Direct Mortgage Lender. With over three decades of perseverance, billions in mortgage financing, and thousands of satisfied clients, we have become one of the area’s fastest growing privately held mortgage banks, by distinguishing ourselves through professionalism, honesty and integrity.
  • DR Bank
  • 1001 Post Rd, Darien, CT, 06820
  • DR Bank offers the same customer service and attentiveness of a community bank with the financial services and technology of a larger bank. Whether you’re stopping by or banking on-the-go, our team of experts is here to help.We are committed to long-term relationships and offer the conveniences and financial services you expect from a larger bank.
  • RFA Capital Corp
  • 1921 Boston Post Rd., Darien, CT, 06820
  • Our Mission is to provide unparalleled service and expertise to each of our borrowers. We will put honesty and integrity first and foremost in every transaction. We will do our best to help our clients achieve their dreams and aspirations in real estate. Robert F. Alberga, Founder at RFA Capital Corp.
  • Greater Alliance Federal Credit Union
  • 40 West Century Road, Paramus, NJ, 07652
  • Our Mission is To provide the highest quality financial services, through commitment to excellence and financial strength, exceeding the expectations of our members and employees. Our Vision is Commitment to making a positive difference in the financial lives of our members and in the community we serve. We want to be the financial institution.
  • Apple Home Mortgage
  • 1819 Williamsbridge Road, Suite LB, Bronx, NY, 10461
  • Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage or cashing out your home equity. We will help you qualify, apply and be approved for the right mortgage loan for you.
  • Ponce Bank
  • 2244 Westchester Avenue, Bronx, NY, 10462
  • Our Bank has earned a reputation for serving the needs of our communities by emphasizing the importance of personal banking and by promoting local economic development. We employ a highly qualified and professional staff and offer a wide variety of products and services designed to meet the needs our customers
  • Go Home Mortgage Inc
  • 1513 Castle Hill Avenue, Bronx, NY, 10462
  • Go Home Mortgage Inc, is a registered Mortgage Broker with the NYS Dept of Financial Services. All loans are arranged thru third party lenders. Our services cover the entire New York State. Go Home Mortgage Inc operates from one prime location in the Bronx since February 2006. We are a full service mortgage brokerage company.
  • Porch Light Mortgage
  • 45 N. Broad Street, Ridgewood, NJ, 07450
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Hudson Home Mortgage LLC
  • 171 East Ridgewood Ave, Suite 204, Ridgewood, NJ, 07450
  • In 2001, after working for two local mortgage companies Nick Emanuel decided to go out on his own and open Hudson Home Mortgage. Nick had one thing in mind, to be able to offer my clients the best possible rates and programs combined with the best possible service. Hudson Home Mortgage is your local mortgage source.
  • BIRCH MORTGAGE LLC
  • 45 N Broad Street, Ridgewood, NJ, 07450
  • Birch Mortgage LLC Provides Mortgage, Home Loans, Home Financing, Re-Finance, Home Purchase, Jumbo Mortgage, Lender, Real Estate And Financing To The Ridgewood, NJ Area. Protecting your private information is our priority. This Statement of Privacy applies to the www.birchmortgage.com and Birch Mortgage LLC and governs data collection and usage.