USDA Vs. FHA Pro and Con comparison in Nassau, Rensselaer County, NY

In the year 2025, the USDA loan cap for a single-family property in Nassau, located in the county of Rensselaer, NY, stands at $336,500. Comparatively, the FHA loan limit is $472,030.

Utilize the Lendersa® USDA loan calculator today to weigh USDA against FHA rates and analyze necessary criteria such as income, credit, reserves, and paperwork for eligibility. Our sophisticated mortgage computing tool allows you to view USDA, FHA, Conforming, and VA comparisons to ascertain the most suitable option for your financial circumstances in .

Explore and contrast loan offers from a network of 100 lenders

2025 loan thresholds and down payment details in Nassau, Rensselaer, NY

Type of Loan Limit Initial Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan alternatives in Nassau, NY

At Lendersa®, the aim is to swiftly secure you the top USDA or FHA loan with ease. Begin by selecting one of the three pathways to connect with lenders and USDA loan offerings.

Lendersa USDA loan request and matching results

Defining USDA Loans in NY

A USDA home loan, endorsed by the U.S. Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. It is designated for rural areas and uniquely requires no initial payment, unlike FHA loans mandating a minimum of 3.5% down.

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



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