USDA and FHA Pro and Con in Ravena, Albany County, NY
In 2025, the USDA loan limit for Ravena, within Albany, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to evaluate the best USDA versus FHA rates currently available, and determine the necessary income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, facilitating the decision on the best program for your financial scenario in .
2025 Loan Limits and Downpayment Guidelines in Ravena, Albany, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Ravena, NY
Lendersa® aims to efficiently connect you with the best USDA or FHA loans without hassle. Begin by selecting one of three starting points to find matching lenders and appropriate USDA loan programs.
A USDA home loan, also called a USDA rural development loan or USDA mortgage, is backed by the government's Department of Agriculture and is available only in rural areas. While FHA loans require a minimum 3.5% down payment, USDA loans necessitate none.
Founded in 1928 by the employees of Burlington Railroad employees as a not-for-profit financial cooperative; BNCCU is now the oldest and one of the strongest community-chartered credit union's in the Kansas City metro. As a community credit union, we remain small enough to know and serve our members on a personable level
For more than 125 years, Capitol Federal® has implemented our True Blue® philosophy of Safety in Savings, Sound Lending Policies, Quality Customer Service and Commitment to Community. These traditions have created the values we honor today, and will help shape our tomorrow.
CapFed® employees are True Blue and take pride in their work
First Community Bank of the Ozarks is a financial institution that is committed to serving the personal and business banking needs of the Branson, Hollister and Forsyth communities. Because we’re a community bank, we offer local decision-making from people you know and trust. First Community Bank Established in 1993.
In 1959, CSD Credit Union was formed to provide the employees of CSD-1 (Hickman Mills School District) with an alternative to traditional for profit banking institutions. The first organizational meeting of the credit union was held in the Ruskin Cafeteria on March 19th, 1959. Assets at the end of the first month were $534
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
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