USDA VS FHA in Pearl-River, Rockland County, NY

In 2025, within Pearl-River in the county of Rockland, NY, the USDA loan limit is $0, whereas the FHA limit for a single-family home stands at $822,375.

Utilize the Lendersa® USDA loan calculator to evaluate the best rates between today's USDA and FHA options, helping you ascertain the income, credit score, reserves, and documentation needed to qualify. Our cutting-edge mortgage calculator presents USDA, FHA, Conforming, and VA categories side by side to assist you in selecting the optimal program for your financial situation in .

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2025 Loan Ceilings and Downpayment Specifications in Pearl-River, Rockland County, NY

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

Varieties of USDA and FHA Loan Opportunities in Pearl-River, NY

The main objective of Lendersa® is to promptly secure for you the most advantageous USDA or FHA loan, avoiding any hassle. Choose one of three pathways that connect you with corresponding lenders and USDA loan programs.

Lendersa's USDA loan request and matching outcomes

Comprehending USDA Loans in NY

A USDA home loan, guaranteed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available exclusively in rural localities. Unlike FHA loans, which mandate at least a 3.5% down payment, USDA loans do not require any down payment.

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



  • ID Mortgage Broker
  • 13317 Ventura Blvd, Suite H, Sherman Oaks, CA, 91423
  • "ID Mortgage Broker offers professional and affordable mortgage services in Los Angeles and California. Including but not limited to conventional loans, hard money, FHA, VA, USDA, and JUMBO loan programs. Purchasing a home, getting new vacation property or refinance your current loan should be hustle free and positive, not creepy and draining"
  • Lantern Financial Corp.
  • 13701 Riverside Drive, 3rd Floor, Sherman Oaks, CA, 91423
  • Lantern Financial is your "bank alternative" for business purpose loans on all types of commercial properties in the Southern California area. We are more than just a lender. We help our customers design a loan best suited for their commercial real estate lending needs. Our customers receive fast and direct answers about their loan inquiries.
  • California Hard Money Direct
  • 13547 Ventura Blvd #177, Sherman Oaks, CA, 91423
  • California Hard Money lender offer non owner residential and commercial loan everywhere in California. We lend on the collateral not the credit.In addition to our standard Hard Money Loans we also have hybrid programs for people who happen to have FICO scores above 650. We have programs to fit most borrowers and will make any loan as long as it ma
  • Northrop Grumman Federal Credit Union
  • 879 West 190th Street, Gardena, CA, 90248
  • We deliver value to our members. Northrop Grumman Federal Credit Union(NGFCU), as a member-owned financial cooperative, exists to provide efficient, convenient, attractively priced financial products and services to satisfy the requirements of its membership. Set yourself up for success
  • Nikkei Credit Union
  • 18425 S. Western Avenue, 2nd Floor, Gardena, CA, 90248
  • Nikkei Credit Union is a progressive, full-service financial institution serving the Japanese American Community in Southern California. We provide quality service as a not-for-profit financial cooperative, owned and democratically controlled by our membership. To provide quality financial products through personalized service and innovation.
  • RTI Bridge Loans
  • 19300 S. Hamilton Ave, Suite 210, Gardena, CA, 90248
  • RTI Bridge Loans is primarily a Direct Portfolio Lender. Since 2004, RTI has focused on Short Term Bridge Loans secured By First and Second Trust Deeds on California Real Estate. Over the years we have processed hundreds of millions of dollars in loans for our clients. Many of our clients use us continually for their real estate financing needs.
  • Pacific Transportation Federal Credit Union
  • 101 West Walnut Street, Suite 101, Gardena, CA, 90248
  • Pacific Transportation Federal Credit Union was founded in 1939 by employees of Southern Pacific Railroad as a way to provide affordable financial services to their co-workers and families. Pacific Transportation Federal Credit Union’s mission is to provide excellent financial products and services by highly motivated and knowledgeable staff.
  • 1st California Security Investments, Inc
  • 1225 W 190th, Suite 320, Gardena, CA, 90248
  • 1st California Security Investments has been helping families find the best home loans for a new home purchase or refinance as well as helping clients buy income generating investment properties. Through a commitment to integrity and clarity we strive to help our clients achieve their financial goals and sustain financial wealth
  • Mansfield Lending
  • 2920 West Manchester Boulevard, Inglewood, CA, 90305
  • "Shelle Kirk is a Mortgage and Real Estate Broker in addition to being the owner of Mansfield Lending - a full service mortgage brokerage based in Inglewood, California. For the past 21 years, Shelle has committed herself to the Real Estate field and has a wealth of knowledge to offer anyone making the first step to owning property."
  • Farmers and Merchants Bank of Long Beach
  • 302 Pine Avenue, Long Beach, CA, 90802
  • Founded in Long Beach in 1907 by C.J. Walker, Farmers & Merchants Bank has 25 branches across Orange County, Long Beach, the South Bay and now in Santa Barbara. The Bank specializes in commercial and small business banking, business loan programs, home loans, and a robust offering of consumer retail banking products including checking, savings and