USDA VS FHA in Middleburgh, Schoharie County, NY

In the year 2026, within Middleburgh, Schoharie County, NY, the USDA loan limit is designated as $336,500, whereas the FHA limit for a single-family residence is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s optimal USDA and FHA rates, and identify the necessary income, credit, reserves, and documentation for eligibility. By using our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, assisting in determining which program in best fits your financial situation.

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2026 Loan Limits and Downpayment Requirements in Middleburgh, Schoharie, NY

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

USDA and FHA Loan Options in Middleburgh, NY

The objective of Lendersa® is to provide you with the most suitable USDA or FHA loan swiftly and with ease. Opt for one of three approaches that connect you with matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

The USDA home loan, supported by the U.S. Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, is offered exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, the USDA mortgage requires no down payment.

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



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