USDA Loan Vs. FHA loan pro & con Valley-Cottage, Rockland County, NY

In 2025, the USDA loan limit in Valley-Cottage, Rockland county of NY, is $0, whereas the FHA cap for a single-family home is $822,375.

Use the Lendersa® USDA loan calculator to evaluate today's leading USDA and FHA rates. Identify the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best program in for your financial requirements.

Why Choose USDA and FHA Loans in Valley-Cottage, NY?

Lendersa® aims to quickly provide you with the optimal USDA or FHA loan without hassle. Opt for one of three starting points to find matching lenders and compatible USDA loan programs.

What Defines USDA Loans in NY?

A USDA home loan, guaranteed by the U.S. Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans demand no down payment, offering a distinct financial advantage to eligible homebuyers.

Get top 10
USDA LENDERS
customized to yout needes

(508) 884-3300 Lender's profile and map Reviews Bluestone Bank 14 Main Street, Bridgewater, MA, 02324 As an independent community bank, we’ve had a hand in helping southeastern Massachusetts flourish since 1872. In 2020, amid one of the most challenging years in U.S. history, we seamlessly united Bridgewater Savings Bank and Mansfield Bank to form Bluestone Bank. Our new brand is grounded in the same strong values that shaped our alliance.
(617) 965-1236 Lender's profile and map Reviews Westchester Mortgage 321 Walnut Street, Suite 412, Newtonville, MA, 02460 Debbie Siegel founded her mortgage brokerage firm Westchester Mortgage in 2000. Since then, she has helped hundreds of clients buy or refinance their homes. In addition, she’s cultivated an extensive professional network of real estate attorneys, insurance agents, contractors, mediators, business coaches, and financial planners.
(717) 957-9966 Lender's profile and map Reviews Hometown Mortgage Resources Inc 1612 State Rd, Duncannon, PA, 17020 At Hometown Mortgage Resources Inc., our motto is to provide you with "Great Rates & Honest Service". We treat each customer as an individual, not a number. We understand that each applicant has different needs and will help you find the rate and program that fits your situation.
(781) 961-2417 Lender's profile and map Reviews RAH Federal Credit Union 45 Diauto Drive, Randolph, MA, 02368 The RAH Federal Credit Union's mission is to provide personal attention along with competitive pricing on all our products and services. We meet our members' financial needs by building personal relationships through communication and technology. This is our commitment to all current and future members.
(800) 326-9486 Lender's profile and map Reviews First Citizens Community Bank 1163 South Main Street, Mansfield, PA, 16933 A simple philosophy can lead a company to great rewards. Treat your customers, your employees, and your communities with respect and you will earn their loyalty. Our strategy has never been about selling products, but instead about finding ways to make life more rewarding for our customers and employees.
(603) 930-5706 Lender's profile and map Reviews Best Rate Mortgage & Equity Group, LLC 80 South Street, Suite 6, Milford, NH, 03055 After several years in the mortgage business, Diane Capodieci made the executive decision to launch her own company. She is now President of New England Best Rate Mortgage & Equity Group, LLC, dba NEBRM. Diane is a very high energy, very positive, outgoing person that makes you feel extremely comfortable the minute you meet her!
(603) 590-2222 Lender's profile and map Reviews Brian Springmann Home Loans LLC 69 Quarry Circle, Milford, NH, 03055 As an independent mortgage broker, Brian has served clients in communities throughout the region for three decades as a trusted residential mortgage professional and advisor. Brian's 40 years of experience in real estate and financial services focused on building a business through personal referrals.
(781) 736-9900 Lender's profile and map Reviews RTN Federal Credit Union 600 Main Street, Waltham, MA, 02452 We’re a member-owned, non-profit financial cooperative, governed by a volunteer Board of Directors. At RTN, we’re committed to helping you achieve financial well-being through quality products & services, personalized service & access to financial education.We provide individualized attention, whether you’re opening an account, applying for a loan.
(617) 938-3900 Lender's profile and map Reviews Superior Funding Corporation 343 Washington Street, Newton, MA, 02458 Superior Funding Corporation is a Massachusetts mortgage company offering extremely competitive rates, personal approach and the highest standards in customer care. Superior Funding Corporation was formed by people with technical backgrounds and advanced education in several areas (engineering, finance and economics).
617 867 0700 Lender's profile and map Reviews Tremont Realty Capital 255 Washington Street, Suite 300, Newton, MA, 02458 The RMR Group Inc. (Nasdaq: RMR) is a holding company and substantially all of its business is conducted by its majority-owned subsidiary, The RMR Group LLC. The RMR Group LLC is an alternative asset management company that was founded in 1986 to invest in real estate and manage real estate related businesses
(617) 325-2900 Lender's profile and map Reviews The Cooperative Bank 40 Belgrade Avenue, Roslindale, MA, 02131 For more than four generations, TCB has been helping our customers make their goals and dreams a reality. We opened our doors on South Street in Roslindale in April 1898 as Roslindale Cooperative Bank. From 1928 to 1956, our main office was located on the corner of Corinth Street. In 1956, we moved to 40 Belgrade Avenue, where we still are today.