For 2026, the USDA loan limit set in Stephentown, Rensselaer county, NY reaches $336,500, while the FHA cap for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today's top USDA vs. FHA rates. This will help you assess the income, credit, reserves, and documents required to qualify. Our advanced mortgage tool provides side-by-side evaluations of USDA, FHA, Conforming, and VA programs, ensuring you pick the best option in
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| Loan Type | Loan Limit | Down Payment | |
| USDA | $336,500 | 0% | |
| FHA | $472,030 | 3.5% | |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to swiftly and easily provide you with the best USDA or FHA loan options. Choose from three paths that connect you with lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture—also called a USDA rural development loan or mortgage—is exclusively accessible in rural neighborhoods. Unlike FHA loans needing a minimum 3.5% down payment, a USDA mortgage requires none at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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