For the year 2026, the USDA loan limit in Lima, within Livingston, NY, is $336,500, whereas the FHA limit for single-family homes is $472,030.
Using the Lendersa® USDA loan calculator, you can compare the finest rates of USDA versus FHA for today. It helps determine the income, credit score, reserves, and documents required to qualify. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, aiding in selecting the right program in for your financial needs.
Loan Limits and Down Payment Requirements for 2026 in Lima, Livingston, NY
Type of Loan
Limit Amount
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Lima, NY
Lendersa® aims to deliver the best USDA or FHA loan options quickly and without hassle. Choose from three starting options to match with lenders and USDA loan programs perfectly suited to you.
A USDA home loan, endorsed by the Department of Agriculture, is known as a USDA rural development loan or USDA mortgage, and is restricted to rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans require no down payment at all.
Mohsin Mortgage Corp. is a wholesale mortgage brokerage, designed to service your financial needs. We offer the best possible rates from the Federal Housing Administration. Specializing in Conventional, FHA, and VA loans, our experienced brokers will get you the best available mortgage rate
124 South Ridgedale Avenue, East Hanover, NJ, 07936
Novartis Federal Credit Union is a full service financial institution located in East Hanover NJ. Novartis FCU was chartered in 1947 and services the financial needs of the employees of companies within Novartis AG and their families. For more information, to join or apply for a loan, visit www.NovartisFCU.org
Sun Mortgage Company, Inc., professional mortgage company specializing in residential mortgages. 7 years Five Star Mortgage Professionals, Ranking in the top 1% for client satisfaction out of 1,800 Realtors, Westchester Magazine. At Sun Mortgage Company, Inc., we will find a loan that fits each borrower.
Merchant Flow Financial is a direct business funding company focused on providing both expertise and consultative strategies to business funding, equipment financing, real estate funding, investment property financing, bridge loans, investment capital, and so much more. We understand that the world of business is anything but simple and easy
Kearny Bank, a New Jersey state-chartered stock savings bank, is headquartered in Fairfield, NJ. There are 54 retail locations in the metropolitan area and total assets top $6.5 billion. Kearny Bank provides comprehensive world-class banking services in a most professional manner. Personal or business, we want to be a true financial partner.
277 Fairfield Road, Suite 103A, Fairfield, NJ, 07004
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
277 Fairfield Road, Suite 105, Fairfield, NJ, 07004
"Forward Mortgage is a premier expert in residential home loans. You are about to discover valuable tips to help you make an informed decision about real estate and mortgage financing in New Jersey, Florida or North Carolina. We update our mortgage rates daily so are always able to see current interest rates."
