USDA Vs. FHA your options comparison in Schenectady, Schenectady County, NY
In 2025, the USDA loan limit in Schenectady, found in Schenectady county, NY is $336,500, whereas the FHA loan limit is $472,030 for a single-family residence.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, and determine the income, credit, reserves, and documentation needed to be eligible. With our comprehensive mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA side by side to select the most suitable option for your financial situation in .
2025 Loan Limits and Downpayment Details in Schenectady, Schenectady, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Schenectady, NY
Lendersa® aims to facilitate swift access to the optimal USDA loan or FHA loan, that is hassle-free. Choose one of three initiation points to match with lenders and explore USDA loan programs.
The USDA home loan, also termed a USDA mortgage or USDA rural development loan, is government-backed by the Department of Agriculture and accessible only in rural areas. Differing from FHA loans which mandate a down payment of at least 3.5%, USDA loans require no down payment whatsoever.
6500 Rock Spring Drive, Suite 204, Bethesda, MD, 20817
Washington Home Mortgage is an independent mortgage broker company, long-established and highly-respected throughout the D.C./Maryland community for over 20 years. We work with a wide variety of lenders, allowing us to obtain the best possible rates and finanical outcomes for our clients.
10411 Motor City Dr, 7th Floor, Bethesda, MD, 20817
"Infinity Capital Finance is a direct private money lender that provides financing through loans secured by non-owner occupied residential real estate.
With more than 30 years of combined experience, the partners of Infinity Capital Finance have organized operations around sound business practices, integrity, efficiency,"
Eastern Panhandle Federal Credit Union was originally chartered in January of 1970 as the Eastern Auto Workers Federal Credit Union. The purpose was to serve the workers and families of the General Motors parts and distribution facility here in Martinsburg.
We have evolved over the years and changed with the times
The Treasury Department Federal Credit Union (TDFCU) founded in 1935, is a full service financial institution with a voluntary Board of Directors that is elected by our membership. Each member is an owner of the credit union with an equal vote Our purpose is to improve the quality of life of our members by providing affordable financial products an
525 Bryant Street NW, Room C-102, Washington, DC, 20059
Howard University Employees Federal Credit Union was chartered in Washington, DC on October 11, 1935, the same year that the Federal Credit Union Act became law. Thanks to the courage and foresight of eleven charter members, our credit union was formed with the common bond to serve employees of Howard University and members of their families.
This financial cooperative exists to provide loan, deposit and member-oriented services to its' defined membership with a high level of quality and efficiency. Our objectives are to 1. promote thrift among its' members by offering to them a means of making safe and regular investments; and 2. to enable its' members to obtain loans.
Our services are similar to a bank, we are a non-profit financial institution operating strictly for the benefit of our members. We strive to provide our members with higher yields on savings and lower rates on loans. Founded in 1939, our goal is to help each and every member attain a strong and secure financial future.
HealthCare First Credit Union’s Field of Membership is open to any person working in the health care field in the Tri-County of Cambria, Somerset and Blair Counties, Pennsylvania. This includes, but is not limited to, employees, doctors, medical staff, technicians, volunteers under hospital staff supervision.
1201 Seven Locks Road Suite 360, Rockville, MD, 20854
Capital Investors Direct (CID), a Rockville, Maryland-based leader, offers streamlined commercial real estate financing nationwide. We specialize in hassle-free loans, with fast closing, low-interest rates starting at 5%, and a simple application process. Our custom loan structures and versatile financing options cater to all project sizes, equippi
Providence Mortgage to become the best mortgage company- we just don't think that's the most important thing. We decided to be different. We wanted to redefine what a successful business looks like, and that drives our desire to be significant in how we are changing lives. Our core values are simple
