For the year 2026, the USDA loan ceiling in Montrose, found in Westchester county, NY, is $0, whereas the FHA limit is $1,089,300 for a single-family dwelling.
Make use of Lendersa® USDA loan calculator to distinguish the finest USDA versus FHA rates today and evaluate the income, credit score, reserves, and documentation necessary to qualify. Our sophisticated mortgage tool lets you view USDA, FHA, Conforming, and VA loans side by side, helping determine the best fit for your financial goals in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to secure you the best USDA or FHA loans quickly and with ease. Begin with one of three possible paths to connect with lenders and explore USDA loan options.
The USDA home loan is supported by the government Department of Agriculture. Known as the USDA rural development loan or USDA mortgage, it is restricted to rural neighborhoods. Unlike FHA loans which require a minimum down payment of 3.5%, the USDA loan demands no down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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