In 2025, the USDA loan limit in Madison, part of Madison county, NY, is $336,500. Meanwhile, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates and understand the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator allows you to see USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best program for your financial situation in
Explore loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa®'s goal is to quickly provide you with the best USDA or FHA loan with minimal hassle. Choose one of three starting points to find matching lenders and USDA loan programs.
A USDA home loan, backed by the government Department of Agriculture and also called a USDA rural development loan or USDA mortgage, is accessible only in rural areas. Unlike FHA loans that require a minimum of 3.5% down payment, USDA mortgages have no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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