For the year 2026, in Troy, within the county of Rensselaer, NY, the USDA loan limit stands at $336,500, whereas the FHA loan limit is $472,030 for single-family residences.
Lendersa® provides a USDA loan calculator perfect for evaluating the current best rates for USDA versus FHA loans. It helps outline the income, credit, reserves, and documentation you need to qualify. With this advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs side by side, enabling you to select the most appropriate option for your financial situation in .
Loan Limits and Down Payment Needs in Troy, Rensselaer County, NY for 2026
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Troy, NY
The mission of Lendersa® is to quickly and seamlessly deliver the most suitable USDA or FHA loan for you. Start by choosing from one of three potential paths to find matching lenders offering USDA loan solutions.
The USDA home loan is a government-backed loan by the Department of Agriculture, often referred to as USDA rural development loans or USDA mortgages, and is specifically accessible in rural locations. While FHA loans require a minimum 3.5% down payment, the USDA mortgage loan mandates no down payment at all.
707 Whitlock Avenue, Suite A-37, Marietta, GA, 30064
W. D. Little Mortgage Corp. is an award winning mortgage company serving Georgia and the Southeast since 1983. As one of the oldest and most well-respected mortgage brokers in Georgia, we provide honest and efficient service from start to finish. Our staff has unprecidented knowledge, experience, and expertise in real estate financing.
Amstar Mortgage Network can help you achieve your mortgage financing goals. As a broker, we have access to companies all over the US and are able to shop around to get the best rate and program for you. To set up the right plan for you, get in touch with us -- we're happy to help. Randy McMullin
3200 Highlands Parkway SE, Suite 105, Smyrna, GA, 30082
Bates Mortgage Group LLC. is a Correspondent Lender licensed in 23 states that provides residential mortgage & Commercial loans for purchase and refinance. We offer all the familiar home loan programs such as Conventional, FHA, VA, Jumbo & USDA loans along with several specialty type mortgage programs.
Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
1445 Woodmont Lane Northwest #2204, Atlanta, GA, 30318
Cornerstone Business Capital
Business financing
Cornerstone Business Capital empowers small businesses with fast, flexible funding solutions that keep cash flow strong and growth on track. Get growth capital with a straightforward process and supportive guidance. Call 404-476-1287 or visit cornerstonebusinesscapital.com for all lending products available.
Unlimited Funding specializes in funding real estate properties that banks won't lend on for various reasons. Our clients desire asset based lending that allows them to purchase and refinance properties without the red tape, heavy documentation, and strict bank underwriting guidelines that kill many deals.
Craft Bank offers the Atlanta market a fresh approach to business banking with impeccable digital offerings and a steadfast commitment to the relationships we build. The bank’s holistic approach is designed to support business owners' financial needs – both business and personal.
Our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
1185 Collier Rd NW, Suite 2216, Atlanta, GA, 30318
Our focus is on providing our clients with the necessary knowledge and tools to help them reach their home financing goals, while ensuring they maintain a level of financial stability. Let’s face it – purchasing a home is typically the most significant purchase a person will make, and mortgage payments account for a sizeable portion
Coca-Cola Credit Union (CCCU) was founded in 1965 to offer associates of The Coca-Cola Company and immediate family members a full range of financial services and benefits. When you’re a member, the credit union principle of “Partner with members to achieve financial success” allows us to tailor programs and services to meet your needs
