USDA Vs. FHA Pro and Con comparison in White-Creek, Washington County, NY

In 2025, the USDA loan limit for White-Creek in Washington, NY is $285,000, while the FHA limit for a single-family home is $356,362.

Leverage the Lendersa® USDA loan calculator to evaluate USDA versus FHA rates today. Determine the income, credit, reserves, and documents necessary for qualification. With our advanced mortgage tool, you can view USDA, FHA, Conforming, and VA options side by side to decide the best fit for your financial situation in .

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Loan Limits and Downpayment Details for 2025 in White-Creek, Washington, NY

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

USDA and FHA Loan Paths in White-Creek, NY

Lendersa® aims to provide the best USDA or FHA loans fast and without hassle. Choose from three starting avenues to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and results

About USDA Loans in NY

A USDA home loan, also called a USDA rural development loan or mortgage, is supported by the government Department of Agriculture and offered only in rural areas. Unlike FHA loans, which need a minimum 3.5% down payment, USDA loans require no down payment at all.

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



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  • Financial Freedom Mortgage, LLC. was established with the mission of creating extraordinary mortgage solutions for the citizens of New Jersey, Maryland, Delaware and Florida. That mission continues to be a driving force through today. Financial Freedom Mortgage has always sought out the nation's most creative and responsible lenders.
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  • HighPoint Mortgage Inc. has over 20 years of experience specializing in all facets of residential mortgage lending. His extensive knowledge in Conventional, FHA, VA and USDA guidelines enables him to evaluate each client’s specific needs and goals to provide appropriate financing. Matt recognizes the importance of integrity, devotion,
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