For 2025, the USDA loan limit in Hector, located in Schuyler, NY, is set at $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to effectively compare the top USDA versus FHA rates available today and determine the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding you in selecting the best program for your financial needs in
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| Loan Type | Loan Limit | Down payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The primary goal at Lendersa® is to quickly connect you with the best USDA or FHA loan choices, completely hassle-free. Select from one of three starting options to get hooked up with matching lenders and USDA loan programs.
A USDA home loan, backed by the government’s Department of Agriculture, is known as a USDA rural development loan or USDA mortgage. Available only in rural areas, it's distinguished from FHA loans by not requiring a 3.5% down payment—the USDA mortgage requires none at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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