USDA Vs. FHA Pro and Con comparison in Rye-Brook, Westchester County, NY

For 2025, the USDA loan limit in Rye-Brook, within Westchester county, NY, is $0. In contrast, the FHA cap for a single-family home is set at $822,375.

Use Lendersa®’s USDA loan calculator to assess the best rates between USDA and FHA today. Identify the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you choose the most suitable program in for your financial needs.

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2025 Loan Limits and Down Payment Requirements in Rye-Brook, Westchester, NY

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

Explore USDA and FHA Loan Options in Rye-Brook, NY

Lendersa® aims to help you swiftly obtain the best USDA or FHA loan with ease. Choose one of our three starting points to connect with compatible lenders and USDA loan programs.

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Understanding USDA Loans in NY

A USDA home loan is insured by the government’s Department of Agriculture, also called a USDA rural development loan or USDA mortgage, and is only available in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, USDA mortgages generally require no down payment, offering a significant benefit to those eligible.

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



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  • Landmark Mortgage of Tampa Bay Inc
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  • We offer the most competitive interest rates in the mortgage industry and the lowest closing costs. Our streamlined approval and in-house processing allows for personal attention to your loan and on time closings with no unpleasant surprises.Our loan officers work individually with each client to find the best loan for your needs.
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  • At Elysian Bank we know you by name and provide fast, friendly service. We are a full service Minnesota bank providing the best in small town friendly atmosphere with professional banking services. When you bank with us, you’re doing business with people you know and trust. nd because we’re a local, independent bank, we’re able to respond quickly.
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