USDA and FHA Pro and Con in Knox, Albany County, NY

In 2025, the USDA loan limit for Knox, located in Albany, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare the top USDA versus FHA rates today. Determine the necessary income, credit, reserves, and documentation for qualification. Through our advanced mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans side by side, aiding in the decision of which program in fits your financial situation best.

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Loan Limits and Down Payment Requirements for 2025 in Knox, Albany, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Knox, NY

The goal of Lendersa® is to promptly provide you with the best USDA or FHA loan without hassle. Choose one of three starting points to connect with lenders and explore USDA loan programs.

  1. Initiate the ultimate USDA/FHA loan request
  2. Access USDA and FHA rates & terms first
  3. Browse the largest USDA loan lenders database
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Understanding USDA Loans in NY

A USDA home loan, supported by the Department of Agriculture and also called a USDA rural development loan or mortgage, is available solely in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA mortgages do not require any down payment.

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  • Indiana Lakes FCU is a credit union in Warsaw, IN providing auto loans, home equity loans, personal loans, checking, savings, cd’s, deposits, home banking, bill pay & other financial services for anyone who lives, works or attends school in Warsaw & Kosciusko County, Indiana. With over 40 years of helping our community with their financial needs

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  • 1117 28th Street, Manistee, MI, 49660
  • Filer Credit Union first opened its doors in 1951 in an office at the American Box Board Company (currently PCA). The credit union has long since moved out of the plant, but we will never forget our roots or the men and women who first introduced the credit union movement to our area. Interestingly enough

  • Muskegon Co-Op Federal Credit Union
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  • Muskegon Co-op FCU is a full service financial institution offering loans, CDs, interest checking with identity theft, money market accounts and more. MUSKEGON CO-OP FEDERAL CREDIT UNION is an entity registered with the U.S. General Services Administration (GSA), System for Award Management (SAM). The corporation number is #FSVCE1DJHJT7.

  • West Michigan Postal Service FCU
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  • West Michigan Postal Service Federal Credit Union was chartered in May 29, 1952, by 8 visionary postal employees, for the purpose of saving themselves, co-workers and their families' money. As a member-owned financial institution, West Michigan Postal Service Federal Credit Union is dedicated to serving only the interests of our members.

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  • Dowagiac Credit Union
  • 473 E Division Street, Dowagiac, MI, 49047
  • We provide services to persons living or working in Wayne, LaGrange, Silver Creek, Pokagon, Penn, Volinia, Marcellus, Decatur and Paw Paw townships in Cass and Van Buren counties, as well as members of their family by blood or marriage. Once a Member always a Member.The Board of Directors is made up of seven members.

  • CS Credit Union
  • 6519 CommScope Road, Catawba, NC, 28609
  • CS Credit Union was initially chartered in 1986 as MA/-COM Employees Credit Union, a spin-off from two previous credit unions, Siecor Credit Union & Superior Cable Credit Union. MA/-COM was established as the credit union for employees of family members of the forerunner of the present-day Select Employee Group, CommScope, Inc. of North Carolina.

  • Elizabethton Federal Savings Bank
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  • Happy Valley Credit Union was chartered by the State of Tennessee in 1933 to service the employees of NARC & Bemberg. Our Name was originally Bemberg-Glanzstoff Credit Union. Our name changed to Happy Valley Credit Union in 1934. Membership is open to anyone who worships, lives, or works within one of our census tract areas of Carter County, TN.

  • Citizens Bank Tennessee
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