USDA Vs. FHA Pro and Con comparison in New-York, New York County, NY
In 2025, the USDA loan limit in New-York, in the county of New York, NY, is $0, whereas the FHA limit is $822,375 for a single-family home.
Use the Lendersa® USDA loan calculator to compare current USDA versus FHA rates and determine the necessary income, credit, reserves, and documents required for qualification. Our comprehensive mortgage calculator displays the USDA, FHA, Conforming, and VA programs side by side, helping you choose the right program for your financial situation in .
2025 Loan Limits and Downpayment Requirements in New-York, New York, 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-York, NY
Lendersa® aims to quickly secure the best USDA or FHA loan without fuss. Begin by selecting one of three routes to connect with matching lenders and USDA loan programs.
The USDA home loan, also known as a USDA rural development loan or mortgage, is backed by the government Department of Agriculture and available specifically in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans need no down payment.
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