USDA VS FHA in Minden, Montgomery County, NY

In 2025, the USDA loan limit for Minden, located in Montgomery county, NY, is $336,500, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to weigh the best current rates of USDA versus FHA loans, determining income, credit, reserves, and needed documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side to assist in deciding which program in aligns best with your financial circumstances.

Compare offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Minden, Montgomery County, 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 Minden, NY

The goal of Lendersa® is to quickly match you with the most favorable USDA or FHA loans efficiently and without hassles. Choose one of three starting points, leading to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Defining the USDA Loan in NY

The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-guaranteed loan available only in rural areas, backed by the Department of Agriculture. In contrast to FHA loans, which require a minimum 3.5% down payment, a USDA loan requires no down payment.

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



  • Fieldpoint Private Bank & Trust
  • 100 Field Point, Greenwich, CT, 06830
  • Fieldpoint Private puts clients first, always. With customized options, our team will help you strengthen and sustain your assets in a way that helps you reach your goals, grow your wealth and simplify your life so you can get back to doing what you love most.Our advisors and bankers work across the United States, and are committed to being accessi
  • Greenwich Municipal Employees Federal Credit Union
  • 439 West Putnam Avenue, Greenwich, CT, 06830
  • Our Mission is To provide and promote the use of a variety of financial services which incorporate particular benefits, consumer advantages and features not otherwise readily available to our members with the specific intent of helping our members gain some extra measure of personal financial success.
  • Strategy Mortgage Corp.
  • 5 Edgewood Avenue, 2nd Floor, Greenwich, CT, 06830
  • Strategy Mortgage represents national, regional & local lenders in order to provide you with the most competitive rates available. We close loans on time and at the locked rate. Closing costs & detailed program disclosures are discussed up front and there are NO hidden fees. Strategy Mortgage is a mortgage brokerage licensed in CT, NY, MA, and FL.
  • Knighthead Funding, LLC
  • 777 West Putnam Avenue, 3rd Fl B-2, Greenwich, CT, 06830
  • Knighthead Funding, LLC ("Knighthead"​) is a real estate finance company specializing in loans for acquisition, renovation, construction and refinancing secured by a broad range of real estate assets. Knighthead originates loans for its managed real estate debt funds and Knighthead Annuity & Life Assurance Company
  • Cornerstone Community CU
  • 242 Hope St, Stamford, CT, 06906
  • CSCCU has been helping members meet their financial needs. CSCCU offers a large variety of Share/Savings Accounts and Loan Products. Our convenient services, such as Bill Payer, Direct Deposit, Online Mortgage Approval, Automated Teller Machines, Payroll Deduction, Voice Line, Loan By Phone and Personal Computer Banking make it easy to use.
  • Port Chester Teachers Federal Credit Union
  • 118 South Ridge Street, Suite 3, Port Chester, NY, 10573
  • The Port Chester Teachers Federal CU is a unique, not-for-profit and member-owned financial institution. Unlike banks that are strictly profit-driven, we return excess earnings to our members in the form of friendly and personal service, lower interest rates for loans, modest yield on accounts, and by offering free financial products and services.
  • Pepe Berard Capital LLC
  • 211 South Ridge Street, 2nd Floor, Rye Brook, NY, 10573
  • Pepe/Berard Capital is a boutique real estate direct lender & investment firm co-founded by William Pepe & Ralph Berardi, Jr. in 2013. The principals have over 50 years of combined experience in real estate lending, investments and management. The firm was founded to pursue small to middle market real estate opportunities.
  • Sikorsky Credit Union
  • 1000 Oronoque Lane, Stratford, CT, 06614
  • At Sikorsky Credit Union, we believe that the financial choices you make today, like where you bank, can help you live a better life tomorrow. We are very proud to be named the #1 Credit Union in Connecticut by Forbes in both 2020 and 2021. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.