USDA VS FHA in Thornwood, Westchester County, NY

In 2025, USDA loan limit in Thornwood, county of Westchester, NY is $0 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Thornwood, county of Westchester, NY

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA loan options in Thornwood, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • First Commonwealth Mortgage Corp
  • 12004 Shelbyville Road, Louisville, KY, 40243
  • Established in 2000, First Commonwealth Mortgage specializes in tailoring individual mortgage programs to meet specific borrower needs. It’s our goal to make financing your home as easy as possible through our commitment to superior customer service, highly-trained & licensed mortgage bankers, and wide-range of products and services.
  • Broker House Lending
  • 11400 Shelbyville Road, Louisville, KY, 40243
  • From the beginning our primary focus here at Broker House Lending has been to be the “go to source” when shoppers are searching online for quality Louisville Mortgage Brokers.We seek to accomplish this through a “relationship building first” philosophy with our clients.We believe that following this practice has allowed us to grow steadily.
  • Limestone Bank
  • 2500 Eastpoint Parkway, Louisville, KY, 40223
  • Based in Louisville, Kentucky, Limestone Bank provides commercial, equine, agricultural and personal banking solutions for individuals in urban and rural areas. With more than 110 years of building relationships across the Commonwealth, Limestone Bank strives to serve as the bedrock for our customers’ financial futures.
  • Rural Cooperatives Credit Union, Inc.
  • 1630 Lyndon Farm Court, Suite 201, Louisville, KY, 40223
  • The Rural Cooperatives Credit Union is a member-owned, federally insured financial institution. Our mission is to assist member-owners in realizing personal financial success by providing competitive, value-oriented products and services delivered with excellent member service and convenience.
  • KIT Federal Credit Union
  • 9711 Linn Station Road, Louisville, KY, 40223
  • KIT Federal Credit Union ("KIT") is a member-owned, not-for-profit financial institution that exists to provide superior financial products to our member-owners and their families. KIT was chartered in 1965 with the field of membership of the employees of A&P grocery stores located in Kentucky, Indiana, and Tennessee. We began in a one-room office.
  • Advanz Credit Union
  • 9600 Ormsby Station Road, Louisville, KY, 40223
  • Originally chartered in 1969 as a credit union to serve the Jefferson County Police and then the employees of Jefferson County Government, we became Jefferson County Federal Credit Union, serving the employees of the Louisville - Jefferson County Metro Government as well as the employees.
  • Pathway Mortgage LLC
  • 10351 Linn Station Rd, Louisville, KY, 40223
  • Pathway Mortgage LLC works diligently to provide a concierge experience to our clients. Pathway is also dedicated to making sure our clients always receive the most current and accurate advice by hiring most talented and motivated mortgage loan officers in the business that Pathway Mortgage LLC strives to make you a client for life.
  • Mortgage Network
  • 10529A Timberwood Circle, Louisville, KY, 40223
  • Mortgage Network, Louisville, Kentucky's locally owned, full service mortgage broker specializes in all varieties of residential mortgages. First mortgages, refinancing or relocation, let Mortgage Network show you that Our Prime Interest is You! Louisville Mortgage Mortgage Network is Louisville’s mortgage leader