In 2025, the USDA loan limit for Pelham in Westchester county, NY, is set at $0, while the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare USDA vs. FHA rates today, determining the income, credit, reserves, and documents required for qualification. With our advanced calculator, see USDA, FHA, Conforming, and VA options side by side, helping you choose the best fit for your financial needs in
Explore loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $0 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to connect you with the best USDA or FHA loan quickly and effortlessly. Choose from three starting points that align you with matching lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. Available exclusively in rural areas, unlike FHA loans, which require a minimum down payment of 3.5%, USDA loans need no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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