USDA VS FHA in New-Rochelle, Westchester County, NY

In 2025, the USDA loan limit in New-Rochelle, found in Westchester county, NY, is $0. Meanwhile, the FHA limit for a single-family residence is $822,375.

Utilize the Lendersa® USDA loan calculator for assessing today's top USDA versus FHA rates to determine necessary income, credit, reserves, and required documents. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA options side by side, helping identify the best option for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in New-Rochelle, Westchester, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in New-Rochelle, NY

The mission of Lendersa® is to efficiently secure the best USDA or FHA loan for you without hassle. Begin by choosing from one of three approaches that connect with lenders and USDA loan programs.

Lendersa’s USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, backed by the Department of Agriculture and often called a USDA Rural Development Loan or USDA mortgage, is for rural areas alone. Unlike FHA loans needing at least a 3.5% down payment, USDA loans have no down payment requirement.

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



  • Fidelity Mortgage Capital LLC
  • 421 N Northwest Highway, Suite 22, Barrington, IL, 60010
  • Our mission at Fidelity Mortgage Capital is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Amerifinancial Home Mortgage Inc
  • 421 North Northwest Highway, Suite 16, Barrington, IL, 60010
  • We are dedicated to making the loan process a satisfying experience. We use up-to-date technology to provide you with the tools necessary to research the loan right for you, find answers to mortgage questions, and complete the mortgage application process. Our goal is to help the you find a loan that fits your unique needs.
  • Priority 1 Mortgage LLC
  • 840 S Northwest Highway, Suite 202, Barrington, IL, 60010
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing the lowest interest rates and closing costs possible. Futhermore, we pleadge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Key Financial Sources Inc
  • 10 Executive Court, Suite 2, South Barrington, IL, 60010
  • ClearPath Financial Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Perfect Alliance Capital
  • 2815 Forbs Ave, Suite 107, Hoffman Estates, IL, 60192
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  • Acclaim Mortgage Corp.
  • 2815 Forbs Ave, Suite 107-59, Hoffman Estates, IL, 60192
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • HealthCare Associates Credit Union.
  • 1151 East Warrenville Road, Naperville, IL, 60563
  • As a credit union, we have members, not customers. As a not-for-profit cooperative, we are dedicated to providing superior financial value with products and services including savings, checking, investments, loans, credit cards, and 24/7 access to your money via mobile, Internet and telephone.
  • Vincent Viriyakul Residential & Commercial Financing & Real Estate
  • 1754 N. Washington St, Suite 128B, Naperville, IL, 60563
  • Great Mortgage Company Inc. 1754 N Washington St, Ste 128B Naperville, IL 60563 is an Illinois Residential Mortgage Licensee. Great Mortgage Company Inc is an approved FHA lender, not an agency of the U.S government. All loans are subject to final lender approval. Programs, rates, terms and conditions may change without notice.
  • CIBM Bank
  • 1811 Centre Point Drive, Suite 123, Naperville, IL, 60563
  • full-service banking offices you'll find a full array of Personal and Business banking services and products to help you create the life you want and to help your business continue to be successful. We work hard to be your partner and we understand that this means listening and responding to the unique needs of you.
  • Prosperity Co
  • 1730 Park Street, Suite 200A, Naperville, IL, 60563
  • "Prosperity Co. is a Massachusetts Foreign Corporation filed On August 13, 2021. The company's File Number is listed as 001526020. The Registered Agent on file for this company is Yang Liu and is located at 75 Tyler Rd, Weston, MA 02493. The company's principal address is 1730 Park St, Suite 200a, Naperville, IL 60563."
  • Top Performers Financial Services Inc
  • 1300 Iroquois Avenue, Suite 275, Naperville, IL, 60563
  • Top Performers Financial Services, Inc is committed to helping you find the right mortgage product for your needs. We understand that every mortgage company is different, and we offer a variety of products to meet your individual requirements. Our staff can provide a personable experience for your unique and individual situation.
  • Professional Mortgage Solutions Inc
  • 1776 Legacy Circle, Naperville, IL, 60563
  • Our mortgage team members give you the personal attention you deserve and treat you with the respect due a valued customer. You are making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So here's our commitment to you: we will help you qualify, apply and be approved for the ideal mortgage loan for you