FHA VS Conventional loan programs in 2025 for Carmel, Putnam County, New York
In 2025, 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.
2025 Loan Limits and Down Payment Requirements in Carmel, Putnam, NY
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, 10541, 10542
Available Loan Options: Conventional and FHA in Carmel, NY
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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