USDA Vs. FHA Pro and Con comparison in Niskayuna, Schenectady County, NY
For the year 2025, the USDA loan limit in Niskayuna, found in the county of Schenectady, NY, is $336,500, while the FHA loan limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate today's best available rates for USDA versus FHA, helping you determine the necessary income, credit, reserves, and documentation for qualification. Our sophisticated mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side, enabling you to select the most suitable program for your financial needs in .
Loan Limits and Down Payment Needs for 2025 in Niskayuna, Schenectady, NY
Loan Type
Loan Cap
Initial Contribution
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Available USDA and FHA Loan Choices in Niskayuna, NY
Lendersa® strives to quickly secure the best USDA or FHA loan options for you without difficulty. Select any one of our three starting points to connect with lenders and discover suitable USDA loan programs.
A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture and is only available in rural areas. Unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment.
West Plains Bank and Trust Company is a Bank with operations in two states. West Plains Bank and Trust Company offers numerous mortgage programs including conventional, non-owner occupied, VA, USDA and construction mortgages and West Plains Bank and Trust Company, based in West Plains, Mo., operates four full-service and two drive-through branches
1039 Harley Strickland Blvd Suite 700, Orange City, FL, 32763
Approved Mortgage LLC is Central Florida's premier mortgage lender. Our diverse team of lenders is experienced in all types of mortgages and mortgage loans and is committed to helping you get approved for the financing you need. We are proud to say that most of our business comes from the referrals of our satisfied clients.
Sovereign Mortgage Investments, Inc. has expertise and knowledge needed to explore the many financing options available and has been originating and processing mortgage loans for over 17 years. We enable clients to purchase and refinance their homes while offering a wide range of mortgage products such as FHA, USDA, VA.
First National Bank has been serving St. James and surrounding communities for over 100 years! The bank was established in 1918 with a strong commitment to delivering quality financial services to the area. First National Bank is locally owned and operated which means local decision making on loan requests.
"We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending..."
1010 E. Silver Springs Blvd, Suite D, Ocala, FL, 34470
Fidelity One Mortgage Group was established in 2006 with the mission of creating extraordinary mortgage solutions for the citizens of Florida. That mission continues to be a driving force through today. Fidelity One Mortgage Group has always sought out the nation's most creative and responsible lenders.
Allstate Mortgage of Florida strives to ensure that its services are accessible to people with disabilities. Allstate Mortgage of Florida has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities,
Our processors take care of your loans, so that you can focus on getting more business. You can trust in us that we’ll make each of your borrowers feel comfortable throughout the whole loan process. Our pristine communication starts with the Initial Disclosures and goes through the closing process.
We are ONE with the people we serve. For more than a half century, your cares have been our concerns. Your needs, our priorities. At First Security Bank, our growth remains rooted in being the ONE bank that can relate to everyone, with products and services that are number ONE. See what we can do together, as ONE.
Town-Country United Bank offers the highest quality of banking services on the market today. Since 1978, we have provided superior service to our customers and have assisted them in achieving their goals. Our years of experience and commitment to excellence have earned us the reputation as the one of the best in the area
Chartered in May 1906, Camden National Bank was founded to provide Wilcox County with a bank of its own. Largely ignored by bigger-city banks, families and business owners throughout the area came to rely on Camden National Bank for responsive solutions to their unique financial needs.
