USDA Vs. FHA your options comparison in Little-Falls, Herkimer County, NY
In 2025, the USDA loan limit in Little-Falls, part of Herkimer, NY, is $285,000. The limit for FHA loans on a single-family home, however, is $356,362.
Use the Lendersa® USDA loan calculator to compare the best current rates of USDA versus FHA loans. Determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding you in selecting the most appropriate option for your financial situation in .
2025 Loan Limits and Down Payment Requirements in Little-Falls, Herkimer, NY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
USDA and FHA Loan Options in Little-Falls, NY
The Lendersa® team aims to swiftly secure you the most suitable USDA or FHA loan, hassle-free. Start with one of three paths to connect with compatible lenders and USDA programs.
The USDA home loan program, backed by the U.S. Department of Agriculture—also called the USDA rural development loan or mortgage—is available only in rural areas. FHA loans require a minimum of 3.5% down payment, while USDA mortgages require none at all.
Greater KC Public Safety Credit Union is a not-for-profit member-owned financial institution welcoming all public safety employees & their family members in the Kansas City metro area, or anywhere in the state of Missouri or Kansas. It is the only credit union in Kansas City solely dedicated to serving public safety agencies, & has been since 1934.
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