In 2026, the USD loan maximum in Lake-Luzerne, located in Warren county, NY, is $285,000; meanwhile, the FHA ceiling for a single-family home hits $356,362.
Utilize the Lendersa® USDA loan calculator to differentiate between today's best rates for USDA and FHA, and find out the essential income, credit, reserves, and documents needed for eligibility. Our state-of-the-art mortgage calculator lets you compare USDA, FHA, Conforming, and VA programs side by side, helping you choose the right fit in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $285,000 | 0% | |
| FHA | $356,362 | 3.5% | |
| Conventional Conforming | $548,250 | 3% |
Lendersa® is committed to securing the most advantageous USDA or FHA loan for you swiftly and seamlessly. Choose one of three starting strategies that facilitate connections with suitable lenders and USDA programs.
A USDA home loan is guaranteed by the governmental Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, accessible only in rural areas. Unlike FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage does not require any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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