FHA Vs. USDA loan program for Stillwater, Saratoga County, New York

In 2026, the USDA loan limit for Stillwater, within Saratoga, NY, is $336,500. For a single-family home, the FHA limit reaches $472,030.

Employ the Lendersa® USDA loan calculator to compare today’s prime USDA against FHA rates. Determine the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loan options side by side, assisting you in selecting the best program for your financial situation in .

USDA and FHA Loan Options in Stillwater, NY

Lendersa® aims to help you acquire the best USDA or FHA loan quickly and without hassle. Select one of three starting points that connect you with matching lenders and USDA loan programs.

What is a USDA Loan in NY?

A USDA home loan is secured by the government’s Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is offered solely in rural neighborhoods. Unlike FHA loans, which require at least a 3.5% down payment, USDA loans often require none, offering a notable advantage for eligible buyers.

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(830) 254-3573 Lender's profile and map Reviews The Falls City National Bank 100 S Front Street, Falls City, TX, 78113 The Falls City National Bank was chartered March 23, 1907. On May 6, 1907 Falls City National Bank officially opened for business. Alterations and additions were made to the building in 1924. Expansion and renovation more than doubling the size was completed in 1980. Another additional expansion was completed in March 1982.
(325) 446-2531 Lender's profile and map Reviews Junction National Bank 701 Main Street, Junction, TX, 76849 We want to welcome you to Junction National Bank's website! We hope our website provides valuable information to you either as a customer, or as a prospective customer. We hope your visit to our site is pleasant and informative and as always, we welcome your thoughts and suggestions.
(406) 654-2340 Lender's profile and map Reviews The First State Bank of Malta 1 South 1st Street East, Malta, MT, 59538 With over a "Century of Service" to Phillips County, The First State Bank of Malta was organized on Jan. 8, 1903. The new bank was chartered with an authorized capital of $50,000.00. The First State Bank has grown and changed in many ways over the past 112 years, however, it still maintains the same qualities
(210) 673-5610 Lender's profile and map Reviews Air Force Federal Credit Union 1560 Cable Ranch Road, Suite 200, San Antonio, TX, 78245 AFFCU (Air Force Federal Credit Union) is a full-service financial organization based in San Antonio, Texas. We offer banking products including savings, checking, money market accounts, certificate accounts, and more. We also provide auto loans, personal loans, mortgage loans, home equity loans, Visa credit cards, and more.
(806) 894-6204 Lender's profile and map Reviews Hockley County School Employees Credit Union 504 Clubview Drive, Levelland, TX, 79336 Hockley County School Employees Credit Union (HCSECU) was chartered in 1954. Since its inception, HCSECU has limited its field of membership to school employees and immediate family members. In 2018 we added the employees of Hockley County and the City of Levelland Employees. We continually strive to offer the best rates afforded to members.
(325) 944-3184 Lender's profile and map Reviews Trans Texas Southwest Credit Union 3401 Loop 306, San Angelo, TX, 76904 The mission of Trans Texas Southwest Credit Union is to provide quality financial services to our members through the offering of deposit accounts to meet investment needs and to insure the availability of a competitive lending program handled in a cooperative spirit. Trans Texas Southwest Credit Union Chartered in 1954.
(325) 944-4551 Lender's profile and map Reviews Concho Educators Federal Credit Union 3215 W Loop 306, San Angelo, TX, 76904 Concho Educators Federal Credit Union was chartered in 1941 to fulfill the financial needs of Educators within Tom Green County. The initial field of membership for the credit union was limited to teachers and administrators employed by the San Angelo Independent School District.
(325) 653-1465 Lender's profile and map Reviews 1st Community Federal Credit Union 3505 Wildewood Drive, San Angelo, TX, 76904 1st Community Federal Credit Union is a federally chartered, federally insured full-service financial institution with over 21, 000 members worldwide and over $220 million in assets. We have 3 offices in San Angelo, Texas and 1 office each in Ballinger, Eldorado, Fort Stockton, Midland and Crane, Texas.
(325) 944-0524 Lender's profile and map Reviews Samco Finance 2201 West Avenue N, San Angelo, TX, 76904 SAMCO Finance was founded in 1979. We are a Texas-only loan company that is locally owned. SAMCO Finance has grown throughout the years, expanding to offices in San Angelo, Abilene, TX. and the surrounding areas. Our mission statement is “Lending to Make a Difference.” This statement is backed by our commitment to help people
(325) 340-3366 Lender's profile and map Reviews RJ Funding Services 3371 Knickerbocker road, San Angelo, TX, 76904 RJ Funding Services (also known as Rafter J Funding) is a reputable alternative lending firm that works with clients throughout the United States and Canada. Specializing in providing capital to small businesses and large corporate entities, our firm delivers innovative solutions to funding business enterprises in all industries.
(830) 796-3711 Lender's profile and map Reviews Bandera Bank Bandera 207 Main St., Bandera, TX, 78003 Bandera Bank has engaged technology experts to ensure that it has state of the art technology to protect your information and transactions, keeping them private and secure as you us the institution's Internet banking system. Through the institution's Internet banking system, you may conduct banking transactions
(719) 371-7009 Lender's profile and map Reviews Canon Signature Mortgage 715 Main St, Canon City, CO, 81212 Our mortgage team members will give you the individual attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in purchasing a home, refinancing a mortgage, or tapping into your home equity. So we make a promise to you: we will help you qualify, apply and be approved for the ideal loan.