For 2026, the USDA loan limit in Johnson-City, within Broome county, NY is $285,000, while for a single-family home, the FHA limit is $356,362.
Use Lendersa® USDA loan calculator to evaluate today's top USDA versus FHA rates and assess the income, credit, reserves, and documents necessary for qualification. With our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, guiding you to determine which program in Alabama best fits your financial needs.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The goal of Lendersa® is to swiftly connect you with the best USDA or FHA loan without delay. Select one of three starting pathways to find matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, often known as a USDA rural development loan or USDA mortgage, is specific to rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, the USDA mortgage requires none, offering a significant benefit.
Enter your location to find out if it qualifies for USDA rural housing loan?
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