USDA and FHA Pro and Con in Larchmont, Westchester County, NY

In 2025, the USDA loan limit for Larchmont, within Westchester county, NY, is set at $0. The FHA limit for a single-family home stands at $1,089,300.

Utilizing Lendersa® USDA loan calculator allows you to compare today’s USDA versus FHA best rates while determining income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA programs side by side, helping decide which best suits your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Larchmont, Westchester, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

Exploring USDA and FHA Loan Options in Larchmont, NY

The goal of Lendersa® is to secure the best possible USDA or FHA loan for you quickly and effortlessly. Choose one of three starting approaches to connect with lenders and find the most suitable USDA loan programs.

Results of Lendersa USDA loan requests and matches

Defining USDA Loans in NY

The USDA home loan, known also as the USDA rural development loan or mortgage, is guaranteed by the Department of Agriculture and is limited to rural areas. Unlike FHA loans, which require a minimum of 3.5% down, USDA loans require no down payment, offering significant advantages.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Premier Mortgage Exchange, Inc
  • 3950 Cobb Parkway, Suite 304, Acworth, GA, 30101
  • "The Premier Mortgage Exchange Team is committed to providing clients with the highest quality home loans in Georgia. If you are a first time home buyer, purchasing your dream home, or refinancing an outstanding loan we are here to serve you Premier Mortgage Exchange also offers Reverse Mortgages."
  • CR Mortgage Solutions Inc
  • 585 Grant Street South East, Atlanta, GA, 30312
  • CR Mortgage Solutions company is an experienced, independent and local mortgage broker in the Grant Park area, specializing in home loans and refinancing. We work with a variety of banks to find the best residential mortgage loan at the best rate, and we can help you every step of the way, all the way to closing on your new home
  • Gibbs Aluminum Federal Credit Union
  • 3093 Ohio Drive, Henderson, KY, 42420
  • Gibbs Aluminum Federal Credit Union has been open since 1967. Located at 3093 Ohio Drive in Henderson Kentucky, GAFCU provides banking to more than 1,000 members. Membership is current open to all Gibbs Die Casting team members and to immediate family of current members. The Gibbs Aluminum Federal Credit Union is a federally-chartered employee.
  • Field & Main Bank
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  • At Field & Main Bank®, we believe that banking should be built on more than transactions. It should start with relationships. We have a heart for service and an appreciation for innovative experiences. We’re changing lives and strengthening communities by approaching relationships with care, honoring our values.
  • Unlimited Funding
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  • Unlimited Funding specializes in funding real estate properties that banks won't lend on for various reasons. Our clients desire asset based lending that allows them to purchase and refinance properties without the red tape, heavy documentation, and strict bank underwriting guidelines that kill many deals.
  • Craft Bank
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  • Craft Bank offers the Atlanta market a fresh approach to business banking with impeccable digital offerings and a steadfast commitment to the relationships we build. The bank’s holistic approach is designed to support business owners' financial needs – both business and personal.
  • Alpine Financial Inc
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  • Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
  • RESIDENTIAL ONE LENDING, INC.
  • 1185 Collier Rd NW, Suite 2216, Atlanta, GA, 30318
  • Our focus is on providing our clients with the necessary knowledge and tools to help them reach their home financing goals, while ensuring they maintain a level of financial stability. Let’s face it – purchasing a home is typically the most significant purchase a person will make, and mortgage payments account for a sizeable portion
  • Service Credit Union
  • 2850 S Ashland Avenue, Green Bay, WI, 54304
  • Service Credit Union was created in 1934, when a group of farsighted Wisconsin Public Service employees joined together to help their fellow employees in those desperate days of the Great Depression. In those days, it was not easy to borrow money except at high rates of interest. Provide members with competitive, high quality financial services.
  • PCM Credit Union
  • 601 Willard Drive, Green Bay, WI, 54304
  • At PCM Credit Union you will always be greeted with a smile & a friendly voice. We truly are “People Caring More” & you will witness the PCM Credit Union difference when you partner with us as a member of the credit union, or within the community. We are dedicated to our Mission & Vision of going above and beyond what other financial institutions.
  • Cornerstone Mortgage, LLC
  • 1830 W Mason Street, Green Bay, WI, 54304
  • Cornerstone Mortgage is one of the largest mortgage lenders in Wisconsin and Upper Michigan, with 2 Wisconsin offices located in De Pere and Green Bay, as well as an office in Menominee, Michigan, and over 20 licensed loan originators on staff who have over 190 combined years of experience. We offer a vast array of mortgages