USDA and FHA Pro and Con 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?



  • North Atlantic Mortgage, Corp.
  • 706 Bedford Street, Stamford, CT, 06901
  • North Atlantic Mortgage guides individuals through the complexities of residential and commercial finance. With proven strategies using unique financing solutions, we can provide the best competitive rates.North Atlantic offers attentive service and prudent thoughtful advice. We consistently provide our clients with the highest quality of guidance.

  • Guthrie Community Credit Union
  • 104 N Elmer Avenue, Sayre, PA, 18840
  • Guthrie Community Credit Union is a member-owned, not-for-profit financial cooperative. GCCU is federally insured by NCUA and an Equal Housing Lender Guthrie Community Credit Union is a full-service financial institution based in Sayre, PA.Our Mission is to provide members with the highest quality financial services.

  • Blue Point Commercial Capital
  • 0 Philmont Ave, Cranston, RI, 02910
  • Blue Point Commercial Capital specializes in the commercial real estate transactions that do not fit traditional underwriting guidelines of bank financing. We have a full suite of loan programs and have the ability to tailor our clients loan needs with short or long term options.

  • BARNSTABLE MORTGAGE GROUP, LLC
  • 70 East Allendale Road, Saddle River, NJ, 7458
  • At Barnstable Mortgage Group, where we specialize in residential mortgages. At Barnstable Mortgage Group, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • Coastal Heritage Bank
  • 195 Washington Street, Weymouth, MA, 02188
  • It takes more than physical location to be part of a neighborhood; it takes a dedicated, unwavering determination to help better the community & the lives of its residents. Since we live & raise our families in the towns we serve, our interests & those of our customers overlap.We all benefit from having a thriving, safe & culturally rich community.

  • Homestead Mortgage Loans Inc.
  • 840 Roosevelt Trail, Windham, ME, 04062
  • "Our team has built a strong reputation as an outstanding local mortgage company, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.

    We're a full service mortgage company with an experienced staff offering expertise in every area of mortgage lending"

  • NORTHSTAR MORTGAGE GROUP LLC
  • 625 Roosevelt Trail, Windham, ME, 04062
  • Northstar Mortgage Group LLC specializes in matching home buyers with the right mortgages. We’re committed to providing the highest quality service available anywhere. Northstar Mortgage Group LLC is Mortgage Broker so we can custom fit your needs! When you get pre-approved through Northstar Mortgage Group.

  • Quorum Federal Credit Union
  • 2500 Westchester Avenue, Suite 411, Purchase, NY, 10577
  • Our mission is to do good by you and for you, by returning profits in the form of our competitive rates, low fees, simple rules, clear communication, frictionless delivery and unbiased advice. Quorum is banking that’s focused on you, and how our products and services can help you live life as you choose.