USDA Vs. FHA Pro and Con comparison in Schaghticoke, Rensselaer County, NY
In 2025, the USDA loan limit for Schaghticoke, county of Rensselaer, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare the top rates of USDA versus FHA loans today, determining the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, helping you select the best program for your financial needs in Alabama.
2025 Loan Limits and Down Payment Requirements in Schaghticoke, County of Rensselaer, NY
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Discover USDA and FHA Loan Options in Schaghticoke, NY
Lendersa® aims to quickly connect you with the best USDA or FHA loan, hassle-free. Choose one of three starting points to match with lenders and explore USDA loan programs.
USDA home loans are guaranteed by the U.S. Department of Agriculture, commonly called USDA rural development loans, and are only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment.
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