USDA Vs. FHA Pro and Con comparison in Staten-Island, Richmond County, NY
As of 2025, 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.
2025 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.
Signature Bank of Arkansas was established in 2005 by a team of well-respected and experienced local Bankers who had the dream of building a Bank where decisions were made locally and in the best interests of not only the Bank but customers and team members as well.
Signature Bank of Arkansas
Member FDIC - Equal Housing Lender
Generations Bank has served Arkansas families and businesses for over 100 years. Established in 1907 in the small, South Arkansas town of Harrell, Generations Bank has expanded into a full-service financial institution serving South and Northwest Arkansas. Our experienced team of bankers are committed to providing convenient, friendly.
1450 East Zion Road, Suite 10, Fayetteville, AR, 72703
Generations Mortgage specializes in home purchase and refinance loans. We are committed to helping you obtain the ideal mortgage for your unique situation. Our knowledgeable, experienced staff will help you evaluate your options, identify the best-suited loan program and clear the way to a timely closing.
Chambers Bank is a community-focused financial services company headquartered in Danville, Arkansas. Founded in 1930, Chambers Bank currently operates 24 branches throughout Arkansas.community-focused financial services company headquartered in Danville, Arkansas. Founded in 1930, Chambers Bank currently operates
Joplin Metro Credit Union has been open since 1950. The credit union has assets totaling $46.41 Million and provides banking services to more than 5, 000 members.
The credit union is a member-owned financial cooperative providing banking services including savings, loans, and other financial services to members.
Great Plains Federal Credit Union was formed in June 1950 at its former home office location outside Pittsburg, Kansas at the Jayhawk Plant. The original charter was under the name Spencer Chemical Employees Federal Credit Union and served employees of Spencer Chemical Company of Kansas City, Missouri.
The Mortgage House team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Founded in 1901, Union State Bank has a rich tradition of serving local families, businesses and farmers while always looking ahead to new opportunities. You can see this philosophy at each of our eight locations across the region, and many feature original historic details or photographs.
