In the year 2025, the USDA loan limit for Mechanicville, located in Saratoga county, NY, is $336,500. In comparison, the FHA loan limit for single-family homes is set at $472,030.
Employ the Lendersa® USDA loan calculator to compare today's optimal USDA and FHA rates, and determine the required income, credit level, reserves, and documentation necessary for qualification. Our advanced mortgage calculator aligns USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the best program in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to facilitate connecting you with the best USDA or FHA loans quickly and efficiently. Choose from three ways to access matching lenders and suitable USDA loan programs.
The USDA home loan, backed by the U.S. Department of Agriculture, often referred to as the USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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