USDA and FHA Pro and Con in West-Nyack, Rockland County, NY

For 2026, the USDA loan limit in West-Nyack, county of Rockland, NY is $0, whereas the FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare today's top rates between USDA and FHA loans. Evaluate the necessary income, credit, reserves, and documentation for qualification. Our comprehensive mortgage calculator offers a comparison of USDA, FHA, Conforming, and VA programs, helping you select the best-fit option in for your financial situation.

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2026 Loan Limits and Down Payment Requirements in West-Nyack, County of Rockland, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in West-Nyack, NY

The aim of Lendersa® is to swiftly connect you with the best USDA or FHA loans, eliminating hassle. Choose one of three pathways to find lenders and USDA programs suited to your needs.

Overview of Lendersa USDA loan request and matching results

What Is a USDA Loan in NY?

A USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the Department of Agriculture and is exclusively available in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require none.

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



West-Nyack Lenders

  • Hudson United Mortgage
  • 95 S. Middletown Road, Nanuet, NY, 10954
  • Lends in New York
  • Hudson United Mortgage, LLC is a licensed mortgage banker by NYS Dept of Financial Services / Licensed by NJ Dept of Banking and Insurance, and is not affiliated with Hudson United Bank. When real estate agents told us that their clients were frustrated with the mortgage process, we started Hudson United Mortgage. When you work with a real estate a

  • Starr Mortgage Company Inc
  • 15 North Mill Street, Suite 215, Nyack, NY, 10960
  • Lends in New York
  • Starr Mortgage Company, Inc. has quickly become a benchmark in the mortgage industry. Our headquarters is located in Nyack, NY in the historic Hudson Valley Region of New York, however our area of influence and expertise ranges all the way from Rockland and Westchester Counties, throughout all 5 boroughs of New York City.

  • Palisades Credit Union
  • 300 N Middletown Road, Suite 6, Pearl River, NY, 10965
  • Lends in New York
  • Palisades Credit Union is a not-for-profit organization founded in 1941 with a vision of building valued relationships through a lifetime of financial solutions. As the largest Rockland County based Credit Union, we provide a suite of full service banking products and services. Membership to Palisades Credit Union

  • Prodigy Mortgage Corp
  • 3 Dalewood Court, New City, NY, 10956
  • Lends in New York
  • Rick Spears founded Prodigy Mortgage Corporation in 1999. Our philosophy is to conduct ourselves as a Discount Mortgage Broker with concentration in high net worth borrowers, 1st time homebuyers, FHA, and VA financing. We have deep and long standing business relationships and agreements with banks and Lending Companies.

  • Embassy Funding LLC
  • 216 Congers Road Suite 3-A, New City, NY, 10956
  • Lends in New York
  • Courtney J. Krysty is the owner and managing member of Embassy Funding LLC. She holds mortgage loan originator licenses in New York, New Jersey, Connecticut and Florida.
    Courtney has been working in the industry for over 15 years, gaining a wealth of experience as a processor, underwriter, loan officer, and branch manager.

  • FountainFunding
  • 13 Neil rd, Spring Valley, NY, 10977
  • Lends in New York
  • BH As a Hard Money Loan Lender, I have built a portfolio
    of 50+ personal private lenders and loan companies,
    making us a trusted resource in the industry. With
    almost a decade of experience, our company has
    successfully facilitated a wide range of loans, catering
    to various needs and situations.
    Because we are not bonded to one specific compa

  • Rockland Employees Federal Credit Union
  • 170 East Central Avenue, Spring Valley, NY, 10977
  • Lends in New York
  • Rockland Employees Federal Credit Union is committed to providing the best possible financial services, value and financial education to its diverse membership. Rockland Employees Federal Credit Union (REFCU) is a not-for-profit financial institution, founded in 1962 by people just like you who believe in the values of the community.

  • Money Depot LTD
  • 259 W Route 59, Spring Valley, NY, 10977
  • Lends in New York
  • Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you. We will help you qualify, apply