USDA Vs. FHA your options comparison in Otsego, Otsego County, NY
In 2025, the USDA loan limit for Otsego, located in Otsego county, NY, is $336,500. Conversely, the FHA cap for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to assess today's best USDA versus FHA rates. Identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side-by-side, helping you choose the best option for your unique financial scenario in .
Loan Limits and Down Payment Requirements for 2025 in Otsego, Otsego, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Otsego, NY
The aim of Lendersa® is to secure the best USDA or FHA loan promptly and with ease. Select one of three pathways that result in matching lenders and accessing USDA loan programs.
The USDA home loan, endorsed by the government Department of Agriculture, is often referred to as a USDA rural development loan or USDA mortgage. It is available exclusively in rural neighborhoods. In contrast to FHA loans, which require at least a 3.5% down payment, the USDA mortgage does not require any down payment.
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