As of 2026, if you're looking in Moreau, located in the county of Saratoga, NY, you'll find that the USDA loan cap is $336,500, whereas the FHA cap for a single-family dwelling is set at $472,030.
With the Lendersa® USDA loan calculator, you can evaluate and contrast today's top USDA and FHA rates. This will guide you in understanding the required income, credit, reserves, and documentation needed for eligibility. Our advanced mortgage calculator provides a side-by-side view of the USDA, FHA, Conforming, and VA loans to assist you in determining which program in Alabama best suits your financial situation.
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| Type of Loan | Limit Amount | Required Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to provide you with prompt and hassle-free USDA or FHA mortgage options. Choose among three paths to connect with compatible lenders and USDA loan schemes.
A USDA home loan, backed by the U.S. Department of Agriculture, often referred to as the USDA rural development loan or USDA mortgage, is strictly for rural regions. Unlike an FHA loan that requires at least a 3.5% down payment, the USDA mortgage demands no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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