USDA Loan Vs. FHA loan pro & con White-Plains, Westchester County, NY

As of 2025, in White-Plains, county of Westchester, NY, the USDA loan limit for a single-family home is $0, and for FHA, it's $822,375.

Utilize Lendersa® USDA loan calculator to explore the best available USDA versus FHA rates today, determining the income, credit, reserves, and documents needed to qualify. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA programs, aiding in choosing the best option for your financial situation in .

USDA and FHA Loan Options in White-Plains, NY

Lendersa® is committed to swiftly securing the optimal USDA or FHA loan for you with ease. Begin with one of three starting points to connect with lenders and USDA loan programs.

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What Defines USDA Loans in NY?

The USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available only in rural neighborhoods. In contrast to FHA loans, which require a minimum of 3.5% down payment, USDA loans require no down payment at all.

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(904) 757-5562 Lender's profile and map Reviews Metro North Federal Credit Union 310 Dundas Drive, Jacksonville, FL, 32226 Metro North Federal Credit Union is a member-owned financial institution whose purpose is to provide quality personalized services to our members at a competitive rate, while maintaining the Credit Union's long term financial stability. Metro North Federal Credit Union has been in operation since 1954.
(888) 987-2651 Lender's profile and map Reviews Farmers Savings Bank 305 Doty Street, Mineral Point, WI, 53565 In 1917 Farmers Savings Bank was established to build on our heritage and meet the needs of our community, its businesses, and citizens. We pride ourselves on commitment to our communities through reinvestment. Our interdependent relationship with our communities is essential. Maintaining profit enables us to remain competitive and strong.
(217) 324-6161 Lender's profile and map Reviews LITCHFIELD NATIONAL BANK 316 N. State St., Litchfield, IL, 62056 Litchfield National Bank was organized in 1907 originally as a state bank known as First State & Savings Bank. On September 19, 1911, it was converted to a National Banking Association. Former bank presidents include M.M. Morrison, T.T. Lackey, Herb Herrick, Charles McBride and Leighton Wesley Cline.
(217) 324-2105 Lender's profile and map Reviews The First National Bank of Litchfield 324 North State, Litchfield, IL, 62056 The First National Bank of Litchfield is based in Litchfield, Illinois, a town located near I-55 midway between Springfield, Illinois and St. Louis, Missouri. Our bank has been at the same downtown location since 1860, when it was operated as a private bank until receiving its National Bank Charter in 1889.
(217) 488-6091 Lender's profile and map Reviews Warren-Boynton State Bank 702 West Illinois Street, New Berlin, IL, 62670 The mission of the Warren-Boynton State Bank is to serve its customers and communities by remaining a strong and stable community bank focused on providing high quality financial products and personal service and also Warren-Boynton State Bank marked 140 years of service as a locally owned and independent community bank.
(309) 647-5000 Lender's profile and map Reviews MidAmerica National Bank 100 West Elm Street, Canton, IL, 61520 MidAmerica National Bank has offices located in Canton, Cuba, Henry, Lewistown, & Macomb and provides full-service banking to its customers. Throughout its history, MidAmerica National Bank’s principal guiding force has been the desire to serve the community and its residents. We pride ourselves on our local decision making at each banking center.
(618) 457-3595 Lender's profile and map Reviews SIU Credit Union 395 N Giant City Rd, Carbondale, IL, 62902 SIU Credit Union was founded in 1938 as Jackson County Teachers' Credit Union. Today, we serve 24 counties and many employer groups in southern Illinois. As a not-for-profit, member owned, financial cooperative, we believe in serving our membership instead of maximizing profits and Today, we serve 24 counties and many employer groups in southern Il
(715) 421-1610 Lender's profile and map Reviews Members' Advantage Credit Union PO Box 1208, Wisconsin Rapids, WI, 54495 Members' Advantage Credit Union is a member-owned financial organization dedicated to meeting the needs of members, providing competitively priced financial products and services while maintaining the credit union's long-term financial stability eywords: certificate of deposit, savings, credit union, macu, loans, rates.
(618) 327-3316 Lender's profile and map Reviews Nashville Savings Bank 209 East Lebanon Street, Nashville, IL, 62263 Our mission is to serve our community and our customers to the best of our abilities. To achieve this goal, we will provide our customers with loans and savings opportunities at competitive rates, while always maintaining the highest level of personalized service and attention to our customer's financial needs.
(815) 273-4503 Lender's profile and map Reviews Blackhawk Area Credit Union 214 Main Street, Savanna, IL, 61074 Blackhawk Area Credit Union began in 1935 when the Chicago, Milwaukee, St. Paul and Pacific Railway (Illinois Division) Credit Union was incorporated by the State of Illinois. Since that time, the credit union has merged with other credit unions and increased its services, membeship and assets. In 1982, our name changed to Blackhawk Area Credit Uni
(833) 937-7282 Lender's profile and map Reviews SECURITY BANK AND TRUST COMPANY 210 W Washington St, Paris, TN, 38242 Security Bank and Trust Company was founded in 1905, and continues to serve Northwest Tennessee and Southwestern Kentucky. To date, we have thirteen branches throughout the communities including Martin, Milan, Union City, Hornbeak, Fulton, Dyer, Trenton and Humboldt. We are a locally owned