Explore the differences! FHA VS Conventional loan programs in Monticello, Sullivan County, New York
In 2026, the conventional loan limit in Monticello, located in Sullivan county, NY, is set at $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® Conventional loan calculator to compare today's top rates between Conventional, FHA, and USDA loans, determining the necessary income, credit, reserves, and documents for eligibility. Our advanced mortgage calculator showcases Conforming Conventional, USDA, FHA, and VA loans side by side to help you decide which program in NY fits your financial needs best.
2026 Loan Limits and Downpayment Requirements in Monticello, Sullivan County, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This comparison table applies to zip codes: 12701
Options for Conventional and FHA Loans in Monticello, NY
Lendersa®'s objective is to provide you access to the best possible Conventional, USDA, or FHA loans quickly and easily. Begin with one of three initial strategies that result in matching lenders and loan programs.
Walden Savings Bank is the 11th oldest federally chartered mutual savings bank in the United States and while some banks may come and go, Walden Savings Bank has been here for nearly 150 years. With 11 convenient branch locations throughout the Hudson Valley, including our Dutchess County Lending office
Our mission is to provide our clients sound advice together with true value. We also put a lot of emphasis on keeping our clients informed throughout the process, connecting you to a team of people to handle your file (you won't be bounced all over, repeating the same things again and again). It's actually going to be an enjoyable.
On September 9, 1980 a small group of O&R Utilities Employees chartered the credit union. It was formed for the purpose of creating a place where employees could save and borrow safely, confidentially and at fair rates of interest. Our current location is at 14 Talmadge Court in Monroe, NY
Astar Home Capital, your best interest is our only goal. Putting this mindset into action, we focus on educating you as a customer, explaining the details and advantages of all the different options. Staying constantly in touch, our brokers go above and beyond, leaning on their years of experience, knowledge, and creativity to secure loans.
Capital M believes that the success of the mortgage depends on a smooth and efficient system. From origination until closing and beyond, The M Method is designed to take the confusion, headache, and uncertainty out of the equation.Mayer Gross and his team, has been helping people secure low-rate mortgages for more than 23 years.
At Mint Capital, we’ll help you get approved for your dream home. Show us the home you would like to purchase and we’ll advise you on the best options to make it yours. Our team has an unmatched, deep understanding of the mortgage application process and the strongest selection of loan options that other brokers aren’t aware of or cannot access.
