For 2026, the conventional loan limit in Gardiner, located in the county of Ulster, NY, is set at $726,200. In comparison, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to analyze how current Conventional, FHA, and USDA rates compare. Determine what income, credit, reserves, and documentation you need to qualify. Our advanced calculator offers side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, aiding you in choosing the optimal program in NY for your financial condition.
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| Loan Type | Loan Limit | Down Payment |
| Conventional Conforming | $726,200 | 3% |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
This comparison table is applicable to these zip codes: 12589
Lendersa® aims to provide you with the best Conventional, USDA, or FHA loans swiftly and without any hassle. Commence your journey by selecting one of three initial options that lead to matching lenders and loan programs.
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