For 2026, the USDA loan cap in Monsey, Rockland county, NY is $0, whereas the FHA limit for a single-family home is $1,089,300.
Use the Lendersa® USDA loan calculator to check today's top USDA vs. FHA rates, and find out the income, credit, reserves, and documents required. Our advanced calculator presents USDA, FHA, Conforming, and VA options side-by-side, helping you choose the best fit for your financial needs in
| Loan Type | Loan Cap | Down Payment |
| USDA | $0 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa®'s aim is to promptly secure the best USDA or FHA loan for you. Choose one of three steps to match with lenders and explore USDA programs.
A USDA home loan, backed by the U.S. Department of Agriculture, is for rural areas. Unlike FHA loans needing a 3.5% down payment, USDA loans require none.
Enter your location to find out if it qualifies for USDA rural housing loan?
|
|
|
|
|
|
|
|
|
|
|
|
Bridge Loan Guides