In 2026, the conventional loan limit for Carmel, located in the county of Putnam, NY, is set at $1,089,300. Meanwhile, the FHA loan limit for a single-family residence is $1,089,300.
Use the Lendersa® Conventional loan calculator to assess the top rates available today—comparing Conventional, FHA, and USDA loans. This tool helps you figure out the income, credit, reserves, and documentation required for qualification. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side, enabling a well-informed choice of the best program in NY for your financial circumstances.
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| Type of Loan | Maximum Loan Amount | Minimum Down Payment Required |
| Conventional Conforming | $1,089,300 | 3% |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
The given comparison table is relevant for the following zip codes: 10512
The mission of Lendersa® is to efficiently deliver the optimal Conventional, USDA, or FHA loan with minimal fuss. Start with any of the three outlined pathways to connect with matching lenders and explore various loan offerings.
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