USDA Vs. FHA your options comparison in Lima, Livingston County, NY
For the year 2025, 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 2025 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.
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