USDA Vs. FHA Pro and Con comparison in Warrensburg, Warren County, NY

In 2026, within Warrensburg, county of Warren, NY, the USDA loan limit is $336,500, whereas the FHA limit for a single-family home is $472,030.

The Lendersa® USDA loan calculator enables you to compare the best rates between USDA and FHA loans today. Determine the qualification through income, credit, reserves, and documents. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA side by side, guiding you in selecting the best program in suited to your financial needs.

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2026 Loan Limits and Downpayment Requirements in Warrensburg, County of Warren, 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 Opportunities in Warrensburg, NY

At Lendersa®, we strive to connect you with the best possible USDA or FHA loan promptly and with ease. Choose from three starting points that result in lenders matching to USDA loan programs.

Snapshot of Lendersa USDA loan request and results

Understanding USDA Loans in NY

The USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture. It's available in rural areas exclusively. Unlike FHA loans requiring at least a 3.5% down payment, the USDA mortgage demands no down payment.

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



  • Focus First Federal Credit Union
  • 1546 Lyell Avenue, Rochester, NY, 14606
  • The mission of Focus First FCU is to ensure that our members think of us first for their financial needs. We do this through equal treatment of all our members, quality service & a variety of products offered at competitive rates. A credit union is a not-for-profit financial cooperative that is owned and democratically controlled by its membership.

  • Acushnet Federal Credit Union
  • 112 Main Street, Acushnet, MA, 02743
  • Acushnet Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the AFCU will continue a sound yet progressive asset management strategy and provide new and improved financial services.

  • InstaLend Corporation
  • 222 Broadway, 19th floor, New York, NY, 10038
  • InstaLend is a tech-enabled lender for real estate loans providing fast, affordable and convenient capital to residential real estate developers.
    As a non-bank real estate lender, we provide 12-24 month short-term loans on single-family and small multifamily properties for acquisition and rehab.
    We also provide 30 year long term loans on stabil

  • United Orient Bank
  • 10 Chatham Square, New York, NY, 10038
  • United Orient Bank is the first indigenous community bank in New York Chinatown.

    The mission of this bank is to provide its shareholders with a safe and profitable return on their investment, over the long term. This will be accomplished by identifying and serving all legitimate financial needs of the community

  • The Finest Federal Credit Union
  • 215 Park Row, Suite 2, New York, NY, 10038
  • The Finest Federal Credit Union is the only financial institution in New York State chartered specifically to serve the needs of all Law Enforcement Personnel (Uniform & Civilian), Retirees and all Family members. Chartered in 2015, The Finest FCU evolved from the vision of a group of retired NYPD officers.

  • Global Bank
  • 8 Catherine Street, New York, NY, 10038
  • Global Bank is a bank with operations in one state. Global Bank offers numerous mortgage programs including conventional, jumbo, non-owner occupied and FHA mortgages Global Bank is a New York State-chartered, FDIC insured commercial bank. We were formed by a group of civic-minded local Chinese-American business people, is locally owned, and commenc

  • RSA Mortgage Brokerage
  • 123 William Street, 12th Floor, New York, NY, 10038
  • The Rent Stabilization Association and the NYC Housing Partnership collaborated to create RSA Mortgage Brokerage to serve the needs of owners of small to large multi-family, mixed-use and commercial buildings bringing their combined 75 years focus on sustaining the quality of New York’s multi-family buildings.

  • Accion East
  • 80 Maiden Ln, Suite 903, New York, NY, 10038
  • Accion is different from a bank or credit union. Accion is a microfinance organization that lends with the mission of empowering business owners with access to working capital and financial education. Since 1991, we have lent more than $132 million to entrepreneur across the country.
    Accion offers business loans up to $50, 000.