USDA and FHA Pro and Con in Scotia, Schenectady County, NY
As of 2025, the USDA loan limit set for Scotia, within the county of Schenectady, NY, is $336,500. The FHA limit for a single-family residence is $472,030.
Utilize Lendersa® USDA loan calculator to contrast today's premier USDA versus FHA rates, and identify the income, credit, reserves, and documentation essential for qualifying. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans in parallel, guiding you to the best decision based on your financial situation, particularly in Alabama.
2025 Loan Limits and Down Payment Requirements in Scotia, Schenectady County, NY
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Scotia, NY
The intent of Lendersa® is to facilitate swift procurement of the optimal USDA or FHA loan for you, without unnecessary hassle. Choose one of three available paths to connect with lenders and explore USDA loan programs tailored to your needs.
A USDA home loan, backed by the government through the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans demanding a minimum down payment of 3.5%, the USDA mortgage loan requires no down payment.
Capital M believes that the success of the mortgage depends on a smooth and efficient system. From origination until closing and beyond, The M Method is designed to take the confusion, headache, and uncertainty out of the equation.Mayer Gross and his team, has been helping people secure low-rate mortgages for more than 23 years.
At Mint Capital, we’ll help you get approved for your dream home. Show us the home you would like to purchase and we’ll advise you on the best options to make it yours. Our team has an unmatched, deep understanding of the mortgage application process and the strongest selection of loan options that other brokers aren’t aware of or cannot access.
Carthage Savings is a customer owned "Mutual" association. We answer to our customers, not stockholders. We are here to serve our customers with no conflicting profitability pressures. A "Mutual" is similar to a Credit Union with the exception that we pay income taxes. Carthage Savings was founded in 1888
Creative Mortgage Group LLC D|B|A First Capital Lending
441 Oxford Road, Suite 2C, Oxford, CT, 06478
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
Mutual of New York Life Insurance Company (MONY) employees founded Money Federal Credit Union in 1976. Credit unions were built on the philosophy of “people helping people.” Money FCU takes that mission statement to the core of how we run our business. It’s about people, community, and sharing resources
300 South State St, Suite 1000, Syracuse, NY, 13202
At MHD Empire Service Corp. We are a sister company of Haylor, Freyer & Coon, one of the largest independent insurance agencies in the Northeast.
Founded in 1983, MHD Empire Service Corp. was established to assist retailers, community owners and individuals in securing quality financing and insurance for
The Central New York Mortgage Bankers Association is gearing up for our upcoming year. Whether you are a mortgage banker, mortgage broker, appraiser, attorney, credit professional, homebuilder, home inspector, insurance agent, realtor or title insurer, a CNY MBA membership offers you a forum for business and social exchange.
We, at Trust Bridge, understand the complexities of every deal. With that in mind, we offer a plethora of lending options that allow for flexible and efficient solutions to your investing needs.
To provide options so the investors are in the best position possible to grow their businesses.
