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
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| Loan Type | Loan Cap | Initial Contribution |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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