USDA VS FHA in Woodbury, Orange County, NY

In 2026, the USDA loan limit for Woodbury, within Orange County, NY, is $581,200, while the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate today’s USDA versus FHA rates and establish the necessary income, credit, reserves, and documents for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding in selecting the best program for your unique financial situation in .

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2026 Loan Limits and Down Payment Requirements in Woodbury, Orange, NY

Loan Type Loan Limit Down Payment
USDA $581,200 0%
FHA $472,030 3.5%
Conventional Conforming $726,525 3%

USDA and FHA Loan Programs in Woodbury, NY

Lendersa® aims to quickly and effortlessly connect you with the best USDA or FHA loan options. Choose one of three starting points to match lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

A USDA home loan, ensured by the Department of Agriculture, is also called a USDA rural development loan or mortgage, available only in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, a USDA mortgage needs no down payment.

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



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