USDA VS FHA in Shrub-Oak, Westchester County, NY

For 2025, the USDA loan limit in Shrub-Oak, located in Westchester, NY, is set at $0, whereas the FHA limit for a single-family home stands at $822,375.

Utilize the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates. Determine the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, aiding you in choosing the most suitable program for your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Shrub-Oak, Westchester, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

Options for USDA and FHA Loans in Shrub-Oak, NY

Lendersa® is devoted to offering you the best USDA or FHA loans quickly and without hassle. Select from three opportunities to connect with lenders and USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

The USDA home loan is backed by the Department of Agriculture, also known as the USDA rural development loan or mortgage, and is accessible solely in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require none at all.

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



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