USDA and FHA Pro and Con in Troy, Rensselaer County, NY
In 2025, USDA loan limit in Troy, county of Rensselaer, NY is $336,500 while FHA limit is $472,030 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.
2025 loan limits and downpayment requirments in Troy, county of Rensselaer, NY
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA loan options in Troy, 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.
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?
We've been serving Central Texas since 1900; that experience is what sets Citizens National Bank apart. We know & are active in each of the communities we serve. That makes us better able to meet your banking needs.Because we know our customers, we can deliver many of the same accounts & benefits as larger banks but with a personal touch they can't
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Mobile and traditional directions to this location can be found below along with ratings
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