For 2026, the USDA loan limit in New-City, county of Rockland, NY, is set at $0. Meanwhile, the FHA limit for a single-family home is set at $822,375.
Utilize Lendersa® USDA loan calculator to compare today's best USDA versus FHA rates and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loan options side by side, aiding your decision regarding the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The aim of Lendersa® is to secure the best possible USDA or FHA loans quickly and without stress. Choose one of three starting methods that help you find matching lenders and suitable USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, often called a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a 3.5% down payment, USDA mortgages demand no down payment, providing a major benefit to qualified borrowers.
Enter your location to find out if it qualifies for USDA rural housing loan?
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