USDA Vs. FHA Pro and Con comparison in Sand-Lake, Rensselaer County, NY
In the year 2025, the USDA loan cap in Sand-Lake, located within Rensselaer, NY, stands at $285,000. Meanwhile, the FHA limit for a single-family residence is $356,362.
The USDA loan calculator by Lendersa® allows you to compare today's top USDA and FHA rates. It helps ascertain the income, credit, savings, and documentation essential for qualification. Our sophisticated mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA options, enabling you to select the best-fit program in for your unique financial circumstances.
Loan limits and down payment prerequisites for 2025 in Sand-Lake, within Rensselaer, NY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA loans in Sand-Lake, NY
Lendersa® is committed to securing you the finest USDA or FHA loan swiftly and effortlessly. Choose from three initial routes that connect you with lenders and USDA loan offerings.
A USDA home loan, backing from the Department of Agriculture, is often termed a USDA rural development loan or mortgage, available only in rural zones. Contrasting FHA loans, which necessitate a minimum 3.5% down payment, the USDA mortgage eliminates the need for any down payment.
Rate House Mortgage Company was founded with a simple mission - To provide our clients with the best rates and terms in the industry. And our Team Members with the best place to work. Our priority is to keep home ownership affordable, and accessible to qualified American Families.
Our mission is to open the field for all investors who may have yet to get a chance through traditional banking institutions to get funding for their business and commercial endeavors.
In today's commercial lending market, traditional banks have a very narrow scope for approvals; we can expand the spectrum of lending guidelines by opening fund
United Poles FCU is a full-service credit union profitably serving the financial needs of the Polish-American ethnic communities through highly-motivated and professional staff. We remain focused on growing the wealth of our members and remaining their primary financial partner through all their life stages.
Duxbury Mortgage Services we understand the entire process and make it simple for you to obtain the right financing for your home. We use our expertise to determine how the transaction should be structured for your benefit. This enables our customers to be linked to reliable lending sources. A win-win situation for all!
at Richmond County Mortgage strive to make customer service our priority. Our mission is to serve our customers with honesty, integrity, and competence.We have a hands-on approach and constant contact with each borrower, making it as seamless as possible throughout the mortgage process
VAntage Trust Federal Credit Union has been serving its members since 1948 when it was founded by the employees of the VA Medical Center, Wilkes-Barre, Pennsylvania. We now serve over 8, 000 members. Our membership also includes members from 70 active Select Employee Groups (SEG). We are chartered by the federal government.
Cross Valley FCU was chartered by the National Credit Union Association in February 1969.Originally chartered as the Wilkes-Barre Federal Employees Federal Credit Union, its sponsor was the Data Operations Center of Social Security in Wilkes-Barre. Subsequent expansion of the Federal Charter was approved by NCUA to include Select Employee Groups.
Choice One Community Credit Union is a member-owned and operated, not-for-profit financial cooperative, chartered under federal law. We strive to provide outstanding financial products, exceptional personal service and to always maintain the safety and soundness of members’ funds.
