In 2026, for Vails-Gate, located in the county of Orange, NY, the USDA loan limit is $581,220, whereas the FHA limit for a single-family home is $356,500.
To compare the leading USDA and FHA rates of today, use the Lendersa® USDA loan calculator. This enables you to determine the income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can review USDA, FHA, Conforming, and VA options side by side to find the best program for your financial needs in
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| Loan Type | Loan Cap | Down Payment Needed | |
| USDA | $581,220 | 0% | |
| FHA | $356,500 | 3.5% | |
| Conventional Conforming | $726,525 | 3% |
The mission of Lendersa® is to provide you the most suitable USDA or FHA loan with ease and swiftness. Opt for one of the three pathways that connect you with matching lenders and USDA loan programs.
A USDA home loan is a government-backed mortgage offered through the Department of Agriculture, also known as the USDA rural development loan. It is exclusively for rural areas and, unlike FHA loans which require at least a 3.5% down payment, the USDA mortgage demands no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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