USDA Vs. FHA your options comparison in Union, Broome County, NY
In 2026, within Union, which is part of Broome, NY, the USDA loan limit for a single-family home is set at $336,500, while the FHA limit is $472,030.
Use the Lendersa® USDA loan calculator to compare today's USDA versus FHA rates to determine the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator provides a view of USDA, FHA, Conforming, and VA options side by side, helping you decide which program in best fits your finances.
Loan Limits and Down Payment Requirements for 2026 in Union, Broome, 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 Union, NY
Lendersa® strives to quickly provide you with the best USDA or FHA loan without hassle. Select one of three pathways to connect with lenders and explore USDA loan programs.
A USDA home loan, supported by the Department of Agriculture and also called the USDA rural development loan or USDA mortgage, is available only in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment at all.
At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.
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Lends in New York
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