FHA VS Conventional loan programs in Livingston, Columbia County, New York
For the year 2026, the conventional loan limit in Livingston, located in Columbia county, NY, is set at $726,200. The FHA limit for a single-family home is $472,030.
Utilize the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documents needed for qualification. Our advanced calculator shows Conforming Conventional loans alongside USDA, FHA, and VA options, helping you determine which program in NY suits your financial needs best.
2026 Loan Limits and Down Payment Requirements in Livingston, Columbia, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison is applicable to zip codes: 12534
Conventional and FHA Loan Options in Livingston, NY
The aim of Lendersa® is to find you the best possible Conventional, USDA, or FHA loan swiftly and effortlessly. Choose one of three starting points, leading to matching lenders and suitable loan programs.
Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities. Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs
Valley Mortgage Company, Inc. arranges for loans with third party providers who offer a full spectrum of loan products including the following: conventional fixed and variable rate conforming and jumbo loans, Federal Housing Administration (FHA) insured loans, Veterans Administration loans, RHS Guaranteed loans (100% Financing and more
Rhinebeck Bank is a full service, locally focused bank headquartered in Poughkeepsie, NY. We offer a full range of personal checking, savings, money market and certificates of deposit as well as, home equity lines of credit and mortgages. For commercial customers we offer a broad variety of products and services for sole proprietors, partnerships.
Ulster Federal Credit Union is a non-profit association of member owners whose goal is to provide a variety of financial services that feature benefits and advantages over those generally available from other banking sources and to encourage their use with the specific intent of helping our members improve their personal financial status.
Ulster Savings Bank is more than just banking! We offer a full line of products and services for both personal and business such as insurance, payroll services, tax preparation and wealth management. business such as insurance, payrol A leader in community giving, Ulster Savings Bank is actively involved in the communities we serve
Our mission is to provide businesses with affordable small business loans and resources so that they can reach higher, transform and grow. Our mission guides our lending. When you work with us, you’ll have access to a community-focused small business lender that is 100% invested in providing the best possible loan for you now, and in the future.
