USDA Loan Vs. FHA loan for Manhattan, NY 2026

In 2026, the USDA loan limit in Manhattan, within the county of New York, NY, is $0, while the FHA limit for a single-family home is $1,089,300.

Utilize the Lendersa® USDA loan calculator to evaluate and contrast today's best USDA and FHA rates, determining the income, credit, reserves, and documentation needed for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, assisting you in selecting the most suitable program for your financial situation in .

USDA and FHA Loan Opportunities in Manhattan, NY

The goal of Lendersa® is to efficiently secure you the best USDA or FHA loan options without hassle. Initiate the process by choosing one of three starting options that align you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed loan available exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans have no down payment requirement.

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Manhattan Lenders
(718) 230-2900 Lender's profile and map Carver Federal Savings Bank 75 West 125th Street, New York, NY, 10027 Lends in New York Founded in 1948, and named for agricultural researcher and scientist George Washington Carver, Carver Federal Savings Bank formally began operations on January 5, 1949 on 125th Street in Harlem, providing local residents a place to save and obtain mortgages to buy homes in their own communities.
(212) 234-4121 Lender's profile and map FIDELIS FEDERAL CREDIT UNION 448 West 152nd Street, New York, NY, 10031 Lends in New York Since 1956, Fidelis Federal Credit Union is committed to building our assets and membership by providing quality services to our members in a prompt, courteous and responsible manner, while maintaining competitive rates and financial stability and Fidelis Federal Credit Union is a nonprofit financial institution
646 481 2155 Lender's profile and map West Forest Capital 237 East 79th Street, New York, NY, 10075 Lends in New York West Forest Capital provides funds to real estate investors and others looking to finance non-owner occupied real estate. We lend on apartments, single family, multi-family, commercial, industrial, land, and other properties. We provide rehab funds, or full construction costs, as needed. FAST CLOSINGS, almost always less than 10 days.
(212) 740-0900 Lender's profile and map Neighborhood Trust Federal Credit Union 1112 St Nicholas Avenue, New York, NY, 10032 Lends in New York Neighborhood Trust Federal Credit Union is a federally-regulated nonprofit financial institution serving Upper Manhattan since 1997. We are one of over 200 community development credit unions in the U.S. with a shared commitment to economic opportunity. Our Credit Union services are tailored to the nontraditional behavior of the financially underse
(718) 943-9200 Lender's profile and map AMERIMUTUAL MORTGAGE 18-33 41st Street, 2nd Floor, Astoria, NY, 11105 Lends in New York AMERIMUTUAL has been successful in revolutionizing the industry one mortgage at a time. Our company values are grounded in the principles of honesty and fair dealing. For you, this means responsible lending with reasonable fees and you can enjoy a worry-free lending experience from a local Astoria, NY business you can trust.
(718) 328-3930 Lender's profile and map New Covenant Dominion Federal Credit Union 1185 Boston Road, Bronx, NY, 10456 Lends in New York New Covenant Dominion Federal Credit Union Our goal is to serve all of our members well, especially those of modest means. We strive to serve everyone in need of financial services within our membership and to be sensitive to the individual needs of the various cultures we serve.
(718) 726-8181 Lender's profile and map Foxx Capital Funding, Inc 34-03 Broadway, Astoria, NY, 11106 Lends in New York We provide a full range of services to meet your mortgage needs. Foxx Capital Funding Inc. is a New York State Registered Mortgage Broker with a large selection of programs. We have an excellent working relationship with many lenders, and have the knowledge to select the right program to fit the borrowers needs.