USDA Vs. FHA Pro and Con comparison in Yonkers, Westchester County, NY

In 2026, the USDA loan cap in Yonkers, found in Westchester county, NY, is $0. The FHA limit for a single-family home is $1,089,300.

The Lendersa® USDA loan calculator compares today's best rates for USDA and FHA loans, and helps determine the income, credit, reserves, and documentation needed for qualification. Using our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA options side-by-side to choose the program that best fits your financial needs in .

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Details of 2026 Loan Limits and Down Payment Requirements in Yonkers, Westchester, NY

Loan Type Loan Limit Down Payment
USDA $0 0%
FHA $1,089,300 3.5%
Conventional Conforming $1,089,300 3%

USDA and FHA Loan Options for You in Yonkers, NY

Lendersa® strives to quickly and easily provide you with the best USDA or FHA loan options. Choose one of three starting points to match with lenders offering USDA loan programs.

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Understanding USDA Loans in NY

USDA home loans, also known as USDA Rural Development Loans or USDA mortgages, are backed by the Department of Agriculture and are meant for rural areas. In contrast to FHA loans that require at least a 3.5% down payment, USDA loans require no down payment.

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



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