USDA Vs. FHA Pro and Con comparison in Middletown, Orange County, NY
In 2025, the USDA loan limit for a single-family home in Middletown, situated in Orange, NY, is $581,200, whereas the FHA limit reaches $472,030.
Utilize the Lendersa® USDA loan calculator to compare today’s leading USDA and FHA rates, determining the income, credit level, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, aiding you in deciding which program in best meets your financial needs.
2025 Loan Limits and Down Payment Requisites in Middletown, Orange, NY
Loan Type
Loan Limit
Down Payment
USDA
$581,200
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,525
3%
Exploring USDA and FHA Loan Options in Middletown, NY
Lendersa® aims to quickly secure the best USDA or FHA loan for you, free from hassle. Choose one of three options to pair with lenders and explore USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available only in rural neighborhoods. In contrast to FHA loans, which require a minimum of 3.5% down payment, USDA loans require no down payment.
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