USDA and FHA Pro and Con in Livingston, Columbia County, NY
In 2025, the USDA loan limit in Livingston, Columbia County, NY is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates, and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in is the most beneficial for your financial situation.
2025 Loan Limits and Down Payment Requirements in Livingston, Columbia, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Livingston, NY
Lendersa® aims to quickly secure you the best possible USDA or FHA loan without hassle. Choose from three starting options to connect with matching lenders and applicable USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is available solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage doesn’t require any down payment.
Cambridge Savings Bank is a full-service banking institution with over $5 billion in assets. As a mutual bank, CSB is committed to improving the quality of life of our employees, customers & the communities we serve. One of the oldest & largest community banks in MA, CSB offers a full line of individual & business banking services.
We are NJ Gateway FCU – a not-for-profit financial institution, organized in 1969, & wholly owned by our membership. Our asset size is currently at $30 million. More than 4000 member/owners actively use the services available to them through NJGFCU. Our Mission is Growing trusted relationships by helping members gain personalized financial success!
Xpress is proud to provide mortgage loans in New Jersey and Pennsylvania. We offer conventional and government insured loans to meet your purchase need. We also offer refinance programs to accommodate those homeowners who are interested in shortening their loan term, lowering their mortgage rate, or taking cash out for remodeling, college tuition.
2088 US HWY 130, #100, Monmouth Junction, NJ, 08852
All State Lenders Corporation (ASLC) has been satisfying hundreds of customers every year with their mortgage needs. We founded our company on the promise of understanding that borrowers know the mortgage industry is a mature market where price differentiates between lenders. Our success at All State Lenders was founded on a low cost
Bank of New England remains committed to providing the business community with a standard of service second to none. As the regional economy continues to recover we seek to add quality loans; improve our capital levels; and address new opportunities. We look forward to meeting the deposit
The Omni Mortgage Company is a locally owned and operated mortgage brokerage agency with the in-depth mortgage industry knowledge and expertise necessary to provide financing solutions that best meet your specific needs. We have a wide range of conventional and government FHA & VA mortgage products.
At New England Regional Mortgage Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We make all loan decisions locally and find you the program with the lowest fixed rate..
At New England Regional Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the lowest rate program. Call us at (800) 220 0959 x 150 for Dan Gennarelli NMLS 26970.
