USDA Vs. FHA Pro and Con comparison in Milford, Otsego County, NY
In 2025, the USDA loan cap for Milford, situated in Otsego county, NY, is $336,500. In contrast, the FHA limit for a single-family home is $472,030.
Employ the Lendersa® USDA loan calculator to evaluate the current top USDA against FHA rates and understand the necessary income, credit, reserves, and documents needed for qualification. With our advanced mortgage tool, you can compare USDA, FHA, Conforming, and VA options side by side, aiding your decision on the right program in for your financial needs.
2025 Loan Limits and Down Payment Requirements in Milford, Otsego, 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 Choices in Milford, NY
Lendersa® aims to swiftly provide you with the most suitable USDA or FHA loans without inconvenience. Select from one of three starting paths that lead to a matchup with lenders and the USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development loan or mortgage, is only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, the USDA loan requires none.
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