USDA Vs. FHA your options comparison in Valatie, Columbia County, NY

For 2025, the USDA loan limit applicable in Valatie, within Columbia county of NY, is marked at $336,500. In comparison, the FHA loan limit for single-family residences is $472,030.

Explore the Lendersa® USDA loan calculator for comparing today's optimal USDA versus FHA rates, identifying the necessary income, credit score, reserves, and documentation requirements for qualification. With our cutting-edge mortgage calculator, you can evaluate USDA, FHA, Conforming, and VA loans in parallel, aiding your selection of the program that best suits your financial circumstances in .

Compare a range of loan offers from 100 distinct lenders

Details on loan limits and down payment requirements for 2025 in Valatie, Columbia county, NY

Loan Type Loan Limit Minimum Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Diverse USDA and FHA Loan Opportunities in Valatie, NY

The mission of Lendersa® is to swiftly provide you with the most suitable USDA or FHA loan options, minimizing hassle. Choose from three initiation points that align with lenders and USDA loan offerings.

Lendersa USDA loan request with matching results

Defining the USDA Loan in NY

The USDA home loan, secured by a government guarantee from the Department of Agriculture, is commonly known as the USDA rural development loan or USDA mortgage. This loan is designed for properties within rural areas. FHA loans require at least a 3.5% down payment, whereas the USDA mortgage relieves borrowers by not necessitating any down payment whatsoever.

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



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