Conventional Vs. FHA Lending requirements New-Paltz, NY in 2026

For 2026, the conventional loan limit in New-Paltz, located within the county of Ulster, NY, is $647,200. In contrast, the FHA limit for a single-family home is $420,680.

The Lendersa® Conventional loan calculator helps you compare today's top rates for Conventional with FHA and USDA options. Assess what income, credit, reserves, and documentation are necessary to qualify. With our enhanced mortgage calculator, review Conforming Conventional loans alongside USDA, FHA, and VA to decide which program in NY fits your situation best.

Options for Conventional and FHA Loans in New-Paltz, NY

The aim of Lendersa® is to swiftly provide you with ideal Conventional, USDA, or FHA loans, minimizing hassle. Begin with one of three pathways that lead you to matching lenders and loan programs.

Loan Type	Loan Limit	Down Payment
Conventional Conforming	$647,200	3%
USDA	$285,000	0%
FHA	$420,680	3.5%

USDA loan requests and matches by Lendersa

New-Paltz Lenders
(845) 463-3011 Lender's profile and map Hudson Valley Credit Union PO Box 1071, Poughkeepsie, NY, 12602 Lends in New York Today, Hudson Valley Credit Union is a full service not-for-profit financial cooperative, 300, 000+ members strong. We extend membership to our neighbors who live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties.
(800) 847-4283 Lender's profile and map Ulster Federal Credit Union 127 Schwenk Drive, Kingston, NY, 12401 Lends in New York 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.
(866) 440-0391 Lender's profile and map Ulster Savings Bank 180 Schwenk Drive, Kingston, NY, 12401 Lends in New York 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
(845) 452-7323 Lender's profile and map TEG Federal Credit Union 1 Commerce Street, Poughkeepsie, NY, 12603 Lends in New York TEG Federal Credit Union is a local, member-owned, not-for-profit, full-service community financial institution open to all those who live, work, worship or attend school in Dutchess, Orange, Ulster, Sullivan, Putnam, Rockland and Westchester County in New York. Since 1969, TEG has been a steady source of financial services to its members.
(845) 454-8555 Lender's profile and map Rhinebeck Bank 6414 Montgomery Street, Rhinebeck, NY, 12572 Lends in New York 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.
(845) 457-7700 Lender's profile and map Walden Savings Bank 15 Scott's Corners Drive, Montgomery, NY, 12549 Lends in New York 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
(845) 928-2845 Lender's profile and map Superior Mortgage Co., Inc. 578 Route 32, Highland Mills, NY, 10930 Lends in New York Superior Mortgage Co., we specialize in residential and commercial loans. This is all we do so you can count on us to provide the best products and services available. Whether you are purchasing or refinancing or you need a home equity loan, even if you have credit problems, we can help you.When you call Superior Mortgage you work directly with us.
(845) 774-0831 Lender's profile and map O&R Utilities Employees Federal Credit Union 14 Talmadge Court, Monroe, NY, 10950 Lends in New York 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
(845) 233-6577 Lender's profile and map Astar Home Capital Inc 48 Bakertown Road, Suite 204, Monroe, NY, 10950 Lends in New York 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.