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
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| Loan Type | Loan Ceiling | Down Payment |
| USDA | $0 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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