USDA and FHA Pro and Con 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.

Compare loan offers from 100 different lenders

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.

Lendersa USDA loan request results

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?



  • Reverse Your Mortgage
  • 3347 Cerritos Ave, Los Alamitos, CA, 90720
  • With over 20 years here at Reverse Your Mortgage, our main goal and responsibility is to make sure that every one of our clients truly understands the Reverse Mortgage Process. Alongside educating about the process and making sure we offer the best service, we also secure the best reverse mortgage rates in the business.
  • Southland Credit Union
  • 10701 Los Alamitos Blvd, Los Alamitos, CA, 90720
  • Southland Credit Union was founded in 1936 to serve the financial needs of Los Angeles County employees. Today we are one of the top-performing credit unions nationwide and have over $1 billion in assets. Our Member-owners benefit from a full spectrum of competitive products, convenience and exceptional service.
  • CLS Financial
  • 4450 Cerritos Ave, Los Alamitos, CA, 90720
  • CLS Financial, we apply these four principles to every aspect of our loan process: Personal touch and experience; Purpose; a Proactive approach and we do it all with Passion for providing the best options for our clients Our team is committed to providing our clients with the highest quality financial services combined.
  • LC Finance Company
  • 4332 Cerritos Ave, Suite 108, Los Alamitos, CA, 90720
  • We provide mortgage loans for purchases, refinances and home equity cash out for all types of residential homes. We have different types of mortgages, fixed or adjustable loans and conventional or government loans (VA, FHA). We will find the loan most suited to your needs. There are loan limits in each county which will also help.
  • Home Pedia Inc
  • 18723 Via Princessa, Suite 312, Canyon Country, CA, 91387
  • Home-Pedia Realty is a privately held company based in California, and is led by its founder Sebastian Nasher. Home-Pedia Realty was designed to help you buy or sell your property with the utmost care in mind. The founder, Mr. Nasher was only eleven years old when he became passionate about real estate
  • Basis Point Home Loans
  • 10732 Los Vaqueros Circle, Los Alamitos, CA, 90720
  • "At Basis Point Mortgage. We are a full-service mortgage company based in Centennial, CO. We specialize in delivering digital mortgages in Colorado and California Faster. Easier. Cheaper. Whether you are buying or refinancing a home or have other mortgage needs, put our over 30 years of lending knowledge to work for you."
  • Investors Mortgage
  • 3700 Katella Avenue, Suite 206, Los Alamitos, CA, 90720
  • Investors Mortgage Provides competitive results for real estate Investors, Developers, and Owner-Occupants. For over 20 years Investors Mortgage has been arranging financing for Single Family, Apartments, Office, Retail and Mixed-use real estate. and also We offer conventional as well as Governmental type financing for both first time buyers.
  • Detrick Mortgage Group
  • 10630 Humbolt Street, Los Alamitos, CA, 90720
  • "Detrick Mortgage Group is a California Mortgage Loan Originator with over 26 years experience in the industry, and has provided clients with over 1 Billion Dollars in Funded Loans !! We offer both Residential and Commercial Loans for your Purchase, Refinance, or Construction Loan needs."
  • Cal Estate Funding
  • 11110 Los Alamitos Boulevard, Suite 201, Los Alamitos, CA, 90720
  • Cal-Estate Funder of the Ruth L Pineda mortgage industry for over 20 years. I started Cal-Estate Funding back in 1999 to help my family and friends find a place to call home, with affordable financing. I have seen the ups and downs of the market and understands the value of an honest Mortgage Broker.