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.
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.
Emigrant Mortgage Company, Inc. (Emigrant) is a direct lender specializing in creative financing for residential properties. Headquartered in Elmsford, New York, Emigrant is a wholly owned subsidiary of Emigrant Bank, which has been serving the credit and banking needs of the New York community for more than 169 years.
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.
At The Funding Guy, Inc. one of America’s fastest growing lending and real estate investment firms. The sole purpose of our firm is to deliver growth capital to the hotelier, restaurateur, and emerging entrepreneur to facilitate their growth. Since our inception in 1999, we’ve helped hundreds of small businesses"
Starr Mortgage Company, Inc. has quickly become a benchmark in the mortgage industry. Our headquarters is located in Nyack, NY in the historic Hudson Valley Region of New York, however our area of influence and expertise ranges all the way from Rockland and Westchester Counties, throughout all 5 boroughs of New York City.
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.
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.
SUMA (Yonkers) Federal Credit Union is a full service member owned financial institution with assets in excess of $400, 000, 000 and over 7, 000 members. We have been serving our members in Yonkers, NY, Spring Valley, NY, Stamford, CT, New Haven, CT and vicinities for over 55 years.
