USDA and FHA Pro and Con 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.

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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.

Lendersa USDA loan matching results

Understanding USDA Loans in NY

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.

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



  • Radius Federal Credit Union
  • 2853 Delaware Avenue, Kenmore, NY, 14217
  • "At Radius Federal Credit Union, we believe that all of us share common goals, but we nurture individual dreams. Those dreams inspire your decisions, drive your ambitions, and revolve around what’s truly important. That’s your 360° life. And Radius is by your side for every turn and transition."
  • IRS Buffalo Federal Credit Union
  • 130 South Elmwood Avenue, Room 147, Buffalo, NY, 14202
  • The IRS Buffalo Federal Credit Union is a not-for-profit member owned and operated financial institution established to meet the needs of its members and members of their families. The IRS Buffalo Federal Credit Union received its charter on February 1, 1957, thanks to some determined IRS employees
  • BUFFALO POLICE FEDERAL CREDIT UNION
  • 68 Court Street, Suite 180, Buffalo, NY, 14202
  • The Buffalo Police Federal Credit Union was founded on March 26, 1936. We are proud to serve the dedicated employees of the Buffalo Police and Fire Department. Our earnings are passed on to the membership in the form of better rates, costs, and services. and also The Buffalo Police Federal Credit Union strives to provide quality financial services
  • Freedom Federal Credit Union
  • 2019 Emmorton Road, Bel Air, MD, 21015
  • Freedom Federal Credit Union is a federally-insured, community-chartered credit union serving members who live, work, worship, volunteer, or go to school in Harford County, Maryland, and their families, as well as businesses operating in the county. Freedom’s mission is to be a trusted partner by creating a culture of people helping people.
  • Glatco Credit Union
  • 53 S Main Street, Spring Grove, PA, 17362
  • Glatco Credit Union was originally started on March 22, 1977 to serve employees of the P.H. Glatfelter Company. Today, membership in GLATCO Credit Union has expanded to include graduates or students of the Spring Grove Area School District, as well as any employee, family member.
  • Cattaraugus County Bank
  • 120 Main Street, Little Valley, NY, 14755
  • We're locally owned and operated. So we support our community, including the small businesses here in upstate New York. We offer many different commercial loans, checking and savings accounts to make sure your business has what it needs to succeed. Our commitment is best expressed in the different products and services we offer our customers.
  • Harford Bank
  • 8 West Bel Air Avenue, Aberdeen, MD, 21001
  • Harford Bank is an independent, locally owned & managed, full-service bank, responsive to the needs of our customers & our community. We are committed to delivering a superior customer experience, providing fulfilling careers, & a competitive return to our shareholders. Harford Bank was chartered as a national banking association on April 27, 1964.
  • Credence Funding Corporation
  • 1200 Technology Drive, Suite A, Aberdeen, MD, 21001
  • Credence Funding Corporation, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • APG Federal Credit Union
  • PO Box 1176, Aberdeen, MD, 21001
  • "APGFCU’s roots go back to 1938 when a group of local pioneers decided to address the savings and borrowing needs of the military families at the Aberdeen Proving Grounds. Now, with the ability to help all those who live, work, worship, volunteer or go to school in Harford and Cecil counties, as well as parts of Middle River, Maryland"
  • BIZCAPFUND INC.
  • 111 Tonowanda street, Buffalo, NY, 14207
  • Commercial Loan Specialists looking to connect with Real Estate Investors to provide a superior service for any of your Lending, Investment or Funding needs. For any Commercial Real Estate or Business Purpose Loans, or to ask about our Real Estate Birddog Service that caters to off-market properties, give us a call. Be sure to visit our socials to