USDA and FHA Pro and Con 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.
The First National Bank of Groton has been proudly serving the area communities for over 150 years. The Bank is customer driven. Its very existence is based on customers finding value in the products and services being offered. The Bank prides itself on offering a superior level of personalized customer service.
TrailNorth Federal Credit Union has been serving the financial needs of its members since 1954. TrailNorth provides membership. Persons who live, work, worship, or attend school in, or businesses or legal entities located in Essex, Washington, Warren, Clinton and Franklin Counties in New York and Addison County in Vermont.
UHS Employees Federal Credit Union has been open since 1974. The credit union has assets totaling $23.59 Million and provides banking services to more than 3, 000 members.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
Auburn Community Federal Credit Union is owned by its members. Each member has equal standing in Auburn Community Federal Credit Union. This means that our credit union operates for and by our members. This eliminates the conflict of interest that’s present at big banks. Banks are owned by shareholders.
OLIN SCOTT FUND, INC. has provided financial assistance since 1920. Now, this post-secondary educational loan opportunity is available to all full-time students. It provides easy and affordable loans to help Bennington County residents further their college, vocational, and professional educations.
"Kittredge Mortgage Corporation holds a Lenders License in Vermont. We finance one to four family homes, condominiums and planned unit developments. The properties may be primary homes, vacation homes or investment properties.
Kittredge Mortgage Corporation has always been adaptable to change."
At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.
Ulster Federal Credit Union is a non-profit association of member owners whose goal is to provide a variety of financial services that feature benefits and advantages over those generally available from other banking sources and to encourage their use with the specific intent of helping our members improve their personal financial status.
Ulster Savings Bank is more than just banking! We offer a full line of products and services for both personal and business such as insurance, payroll services, tax preparation and wealth management. business such as insurance, payrol
A leader in community giving, Ulster Savings Bank is actively involved in the communities we serve
