As of 2026, 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.
2026 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.
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Shotbolt Mortgage! My name is Jack Shotbolt, and I am an Independent Mortgage Broker and Planner located here in Omaha, Nebraska.
As a mortgage broker, I work for my clients rather than the banks which allows me to focus on the individual needs of each borrower and to work with a variety of lenders to find the best solution for each situation
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Pine Bluff Arsenal, Building 17-120, White Hall, AR, 71602
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