USDA and FHA Pro and Con in Staten-Island, Richmond County, NY
As of 2026, the USDA loan ceiling in Staten-Island, located in the county of Richmond, NY, stands at $0, whereas the FHA limit for a single-family residence is $822,375.
The Lendersa® USDA loan calculator offers a comparative analysis of today's USDA versus FHA rates. Use it to determine the income, credit, reserves, and required documentation for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans simultaneously, aiding in finding the best option in for your financial circumstances.
2026 Loan Ceilings and Down Payment Specifications in Staten-Island, Richmond, NY
Loan Type
Loan Ceiling
Down Payment
USDA
$0
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Choices in Staten-Island, NY
The mission of Lendersa® is to expedite your acquisition of the optimal USDA or FHA loan efficiently and easily. Choose from three starting paths to connect with qualified lenders and USDA loan opportunities.
USDA home loans, overseen by the governmental Department of Agriculture under the name USDA Rural Development Loan or USDA Mortgage, are exclusively available in rural areas. Unlike their FHA counterparts, which require at least a 3.5% down payment, USDA home loans demand no down payment at all.
Lamar Bank & Trust Company is a locally owned and operated full-service financial institution located in Lamar, Missouri. LBT is a leader in technology and is known for being one of the first banks in Missouri to offer e-statements. Internet banking and debit cards have been regular products of the bank for years.
HomeTown Bank has been providing customers with the most innovative financial services & solutions. HomeTown Bank is proud to give back to the communities we serve through donations,volunteering, partnerships & ongoing support. As a community bank, HomeTown Bank Strives to personally get to know customers,build strong relationships they can trust.
Town and Country Credit Union has been a member-owned financial institution since 1939. Father Duren, of St. Boniface Church, Westphalia, started the credit union in 1939. Town & Country Credit Union now operates two branches in Harlan and Avoca, IA. Town & Country Credit Union is a community credit union.
Since 1880, SCSB has delivered financial services with our mission of building relationships that promote family, service, and community. we offer all the personal and business services you need with a local, knowledgeable staff eager to provide you with personal attention and excellent customer service.
At Southern States Mortgage, we treat each client 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.
We provide specialized home-buying and refinancing services, and our approach is focused on addressing their needs and financial situations throughout the entire real estate financing process. We're experienced, trustworthy, and always reachable. No matter the question, We are here to provide answers.
PierPoint Mortgage originates the full spectrum of residential mortgages including conventional, FHA, VA, Rural Development, new construction, jumbo financing and is a Reverse Mortgage Specialist. If you need assistance with any mortgage produce please call 231-737-9911 or visit www.pierpointmortgage.com
Kensington Bank is a community bank with locations in Belgrade, Cokato, Elrosa, Herman, Kensington, Saint Cloud, and Willmar, MN. We strive to provide excellent service and growth along with our customers.
To be a trusted partner in the financial success of our customers one relationship at a time and give back to the communities we serve.
