USDA Vs. FHA your options comparison in Highlands, Orange County, NY

During 2025, the USDA loan limit for Highlands, situated in the county of Orange, NY, is set at $581,200, whereas the FHA loan limit for a single-family residence is $472,030.

To compare the top USDA and FHA rates available today, utilize the Lendersa® USDA loan calculator. Determine the required income, credit, reserves, and necessary documents for qualification. Our comprehensive mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loan programs, assisting you in finding the most suitable option for your financial situation in areas like Alabama.

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Loan limits and down payment requirements for 2025 in Highlands, county of Orange, NY

Type of Loan Limit Down Payment
USDA $581,200 0%
FHA $472,030 3.5%
Conventional Conforming $726,525 3%

Exploring USDA and FHA Loan Choices in Highlands, NY

Lendersa® aims to streamline the process of acquiring an optimal USDA or FHA loan swiftly and without difficulty. Choose any of the three initiation methods to match with lenders and suitable USDA loan programs.

The results of matching Lendersa USDA loan requests

Defining USDA Loans in NY

A USDA home loan is a government-backed loan from the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage, and is exclusively available in designated rural areas. In contrast to FHA loans, which necessitate a minimum down payment of 3.5%, USDA mortgage loans require no down payment.

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



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  • Top Class Mortgage Inc is a professional mortgage lending and brokering firm. We offer a wide range of loan options and mortgage services to homebuyers, investors and builders. We are license in Florida and Georgia, and we speak English and Creole. Your wealth fare and satisfaction are our priority.
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  • Wilson Mortgage Services Inc is committed to providing personalized origination service for your mortgage financing needs. We've been in business since 1997 and have established business relationships with numerous lenders in an effort to help borrowers. Eileen Wilson, the owner, personally handles your file from start to finis
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  • Founded in 1930 and chartered in 1931, Mutual Credit Union is Mississippi's oldest credit union, and one of the Southeast's most respected. Through the years, our State chartered financial institution has grown from humble beginnings into a world class financial services organization with over 20, 000 active members and over $190 million in assets.
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  • Independent Mortgage Corp
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