USDA and FHA Pro and Con in Irvington, Westchester County, NY
As of 2026, the USDA loan limit in Irvington, located in Westchester, NY, stands at $0, whereas the FHA limit for a single-family home is set at $1,089,300.
Use Lendersa®'s USDA loan calculator to explore today's top USDA versus FHA rates, assessing the income, credit, reserves, and documents needed for eligibility. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, helping you determine which program in best suits your financial requirements.
2026 Loan Limits and Down Payment Requirements in Irvington, Westchester, NY
Loan Type
Loan Limit
Down Payment
USDA
$0
0%
FHA
$1,089,300
3.5%
Conforming Conventional
$1,089,300
3%
Exploring USDA and FHA Loan Options in Irvington, NY
The mission of Lendersa® is to connect you with the ideal USDA or FHA loan quickly and without obstacles. Choose from three starting pathways that facilitate matches with lenders and access to USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment.
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