USDA Vs. FHA Pro and Con comparison in Valhalla, Westchester County, NY

In 2025, USDA loan limit in Valhalla, county of Westchester, NY is $0 while FHA limit is $1,089,300 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.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Valhalla, county of Westchester, NY

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA loan options in Valhalla, 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.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

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?



  • Eagle Mortgage, LLC
  • 1370 Fairlakes Pointe Drive, Rockwall, TX, 75087
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Heritage Funding
  • 103 N Goliad, Suite 108, Rockwall, TX, 75087
  • Heritage Funding Co LLC is located in Rockwall, Texas, and was founded in 2001. This business is working in the following industry: Loan companies. Annual sales for Heritage Funding Co Our Reach Is Big As Texas! Anywhere In The Lone Star State - We Can Help and also Charles Michael Kamps, President/Director
  • Mortgage Resoruce Of Texas
  • 311 E I-30, Suite 103, Rockwall, TX, 75087
  • Mortgage Resources of Texas is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering
  • 5Point credit union
  • 3700 Skyline Drive, Nederland, TX, 77627
  • In 1935, 5Point was born as a credit union intended to support the men and women who worked for The Texas Company. What started as a small community endeavor with 57 members and $247 in total savings has grown in ways its founders could not have imagined. Today, 5Point is one of the largest independent not-for-profit financial institutions.
  • MOPAC Employees Federal Credit Union
  • 200 South Queen Street, Palestine, TX, 75801
  • MOPAC Employees Federal Credit Union was chartered in 1936 to serve employees of the International Great Northern (IGN) Railroad. In 1956, the IGN Railroad was merged into the reorganized Missouri Pacific Railroad Company (MoPac). In 1999, Southern Pacific Railroad merged with Union Pacific.
  • Lakeside Bank
  • 2805 Ridge Road, Rockwall, TX, 75032
  • Lakeside National Bank is dedicated to meeting our community's financial needs while maintaining a personal touch. At LNB, personal touch means a live person will answer the phone when you call, and when you need financing, your first meeting will be with the loan officer who will see your loan through from start to finish.
  • Park Cities Lending, Inc.
  • 1055 Equestrian Drive, Rockwall, TX, 75032
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Cattell Mortgage
  • 350 Pine St, Suite 220, Beaumont, TX, 77702
  • At Cattell Mortgage Group. We are a full service mortgage company located in Beaumont/Houston Texas Area that has served the entire state of Texas for over twenty years. We specialize in FHA, VA, USDA, Jumbo, Super Jumbo, and Conventional Loans. Whether you are buying a home or ReFinancing we can help you realize your dream of home ownership.
  • Community Bank
  • 1729 College Boulevard, Alva, OK, 73717
  • Community Bank has been serving Alva, Oklahoma and the surrounding areas since 1984. Community Bank was founded by local community members who wanted to ensure the banking needs of the community were being met. It has been our goal since inception to provide customer-focused services and community development.
  • BancCentral
  • 604 Flynn Street, Alva, OK, 73717
  • BancCentral National Association, founded in 1919, offers a range of depository and lending services. BancCentral National Association is a commercial bank based in Alva, Oklahoma. It was built in 1901 and has been owned and operated by the Myers family since 1919. We will customize a trust specifically for your needs and Confidential
  • Mobiloil Credit Union
  • 3535 Calder Avenue, Beaumont, TX, 77706
  • Mobiloil CU is a not-for-profit financial service cooperative that currently has more than 67, 000 members & assets exceeding $1 Billion. Our purpose is to help members achieve their goals and dreams by providing the financial tools and services to get them there. Mobiloil CU has maintained a competitive position among other financial institutions.