USDA VS FHA in Menands, Albany County, NY

In 2025, the USDA loan limit for Menands in Albany, 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 and FHA rates, determining necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, helping you determine which program in best suits your financial situation.

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2025 Loan Limits and Down Payment Requirements in Menands, County of Albany, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Options in Menands, NY

The goal of Lendersa® is to swiftly connect you with the best USDA or FHA loans without hassle. Choose one of three starting points to match with lenders and USDA loan programs suited to your needs.

Overview of Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is guaranteed by the Department of Agriculture and is only available in rural neighborhoods. Unlike FHA loans requiring a minimum down payment of 3.5%, USDA loans require none.

Enter your location to find out if it qualifies for USDA rural housing loan?



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