USDA Loan Vs. FHA loan for Malta, NY [Saratoga County ]

In 2025, the USDA loan cap for Malta within Saratoga county, NY, is $336,500, while the FHA loan limit for a single-family home is $472,030.

Utilize Lendersa® USDA loan calculator to contrast today's top USDA vs FHA rates and determine the income, credit, reserves, and documents needed for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA offerings side by side, helping you to decide which program in suits your financial needs best.

USDA and FHA Loan Alternatives in Malta, NY

Lendersa® aims to secure you the best USDA or FHA loan quickly and with ease. Start with one of three paths to find compatible lenders and USDA programs.

Results of a USDA loan request with Lendersa

Understanding the USDA Loan in NY

A USDA home loan, supported by the Department of Agriculture and also called a USDA rural development loan or USDA mortgage, is available solely in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans do not require any down payment.

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(808) 661-8886 Lender's profile and map Reviews First Hawaiian Mortgage 910 Honoapiilani Hwy, Suite 2, Lahaina, HI, 96761 At First Hawaiian Mortgage. We are located in Lahaina, Maui but service the entire State of Hawaii. First Hawaiian Mortgage is a correspondent lender offering Fannie Mae, Freddie Mac, FHA, VA, USDA products and we have aligned ourselves with portfolio lenders so we can offer a full range of loan products
(808) 885-7349 Lender's profile and map Reviews Hawaii First Federal Credit Union 67-1187 Mamalahoa Highway, Kamuela, HI, 96743 Hawaii First FCU has been serving our community for 60 years! We serve members island-wide with branches located in Kamuela and Hilo. Our mission statement is “Empowering Our Community by Serving Hawaii First!” and we strive to provide exceptional financial and empowerment services to meet the needs of our members and our community.
(808) 334-6200 Lender's profile and map Reviews eMortgage Hawaii 67-1153 Mamalahoa Hwy, Suite 3, Kamuela, HI, 96743 eMortgage Hawaii offers the lowest rates and the fastest turn times in Hawaii. Once you provide us with the requested documents, we will have your conditional loan approval within 24 - 48 hours. eMortgage Hawaii's committed to helping you find the right mortgage product for your needs. We understand that every borrower is different,
(808) 553-5328 Lender's profile and map Reviews The Molokai Community Federal Credit Union 135 Puali Place, Kaunakakai, HI, 96748 Aloha, The Molokai Community Federal Credit Union is a member owned Financial Cooperative Credit with over 3,900 members providing financial products and services since 1951. Whether you need help financing a new car, establishing credit, setting up an IRA, or just opening a new share draft account, your Credit Union can help you
(808) 930-7700 Lender's profile and map Reviews Hawaii Community Federal Credit Union 73-5611 Olowalu Street, Kailua Kona, HI, 96740 By 1991, a decade after acquiring Kohala Federal Credit Union, we became Hawaii Community Federal Credit Union and soon expanded membership to the entire Hawaii Island. We are exponentially larger than we were in the beginning but we continue to hold true to our fundamental philosophy – a group of people joining together to help each other succeed.
(808) 443-2601 Lender's profile and map Reviews Island Home Capital, Inc. 71-1744 Puu Kamanu Loop, Kailua Kona, HI, 96740 At Island Home Capital, our mission is to provide you with the necessary knowledge to make an informed, economic decision. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism
(808) 327-0404 Lender's profile and map Reviews APEX Mortgage LLC 76-6225 Kuakini Hwy C106, Kailua Kona, HI, 96740 APEX Mortgage LLC (NMLS 217406) originates mortgage loans thru their owner and licensed Mortgage Loan Originator, Barbara A Welsh (NMLS 224003). Barbara has been assisting Big Island property owners with loans for the purchase, refinance, construction and reverse mortgage needs for the past 28 years.
(808) 565-6522 Lender's profile and map Reviews Lana’i Federal Credit Union 816 Ilima Avenue, Lanai City, HI, 96763 Established in 1938, the Lāna’i Federal Credit Union, originally known as HAPCO Lāna’i Federal Credit Union, was organized to serve the employees of the Hawaiian Pineapple Company, on the island of Lāna’i, Hawaii. Lāna’i was once the largest pineapple plantation, producing 90% of the world’s pineapple during the 1950s – 1970s.
(808) 293-9063 Lender's profile and map Reviews Kahuku Federal Credit Union 56-576 Kamehameha Highway, Suite A, Kahuku, HI, 96731 Kahuku FCU was chartered on July 28, 1937 to serve the employees of the Kahuku Plantation Company, a cane sugar plantation. The plantation ceased operations in 1971, and on June 1, 1972 the credit union’s charter was amended to include residents who lived near the local post office.
(808) 254-3566 Lender's profile and map Reviews Ko'olau Federal Credit Union 1005 Keolu Drive, Kailua, HI, 96734 Ko'olau Federal Credit Union is located in Honolulu County of Hawaii state. On the street of Mokapu Road and street number is 6699. To communicate or ask something with the place, the Phone number is (808) 254-3566. The coordinates that you can use in navigation applications to get to find Ko'olau Federal Credit Union
(808) 261-7703 Lender's profile and map Reviews HG Mortgage 354 Uluniu Street, Suite 402, Kailua, HI, 96734 The HG Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.