FHA VS Conventional loan programs in New-Paltz, Ulster County, New York

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.

Explore loan offers from a network of 100 lenders

2026 Loan Limits and Down Payment Requirements in New-Paltz, Ulster County, NY

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

Note: The comparison table is relevant for zip codes: 12561

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.

USDA loan requests and matches by Lendersa


  • Kendall Mortgage Corporation
  • 1600 W Eau Gallie Blvd, Suite 205J, Melbourne, FL, 32935
  • Kendall Mortgage Corporation is a preferred Florida home mortgage lender specializing in new home loans and mortgage refinance. Serving Brevard County and all of Florida, for 25 years, Kendall Mortgage has the experience necessary to help our clients navigate the often complex process involved with obtaining a home loan.

  • MortgageDepot
  • 474 N Harbor City Blvd, Suite 2, Melbourne, FL, 32935
  • We are a multi-state broker, & is the area’s largest independent mortgage broker. Honesty, integrity & financial reliability is the foundation of all our relationships. With a dedicated team of best-in-class mortgage professionals, our goal is to be accessible, attentive & deliver exceptional service to the culturally diverse communities we serve.

  • Oceans Lending
  • 401 North Wickham Road Suite L, Melbourne, FL, 32935
  • Oceans Lending a full-service mortgage company, specialize in every form of Real Estate financing.From your new home or vacation home to investments properties to commercial financing.Whether you are buying a home,refinancing,taking advantage of your homes existing equity or investing in real estate,Oceans Lending can help you realize your dream.

  • WCF Financial Bank
  • 401 Fair Meadow Dr, Webster City, IA, 50595
  • WCF Financial Bank is a locally-committed community bank focused on providing exceptional customer service with quality products and services.
    After 80 years, WCF Financial Bank has built a reputation of being a locally-committed community bank with locations in Webster City and Independence providing exceptional customer service

  • Homevision Mortgage Lending Inc
  • 3962 W Eau Galle Blvd, Suite A, Melbourne, FL, 32934
  • Homevision Mortgage Lending Inc. is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time, and you can trust.

  • NSS Lending, LLC
  • 310 S Boyd, Winter Garden, FL, 34787
  • Call it what you want, hard money, private or asset-based real estate loans. NSS Lending can help seasoned and inexperienced US and foreign real estate investors obtain financing for the purchase or refinance of non-owner occupied turnkey rental property and owner and non-owner commercial property.

  • Harper Mortgage Team
  • 913 Burland Circle, Winter Garden, FL, 34787
  • The Harper Mortgage team is here to help you with your Central Florida home loans, regardless of the type of property you are looking to purchase. We can help you buy your first home, your dream home or even an investment property. We provide a number of different home loan programs that can be customized to fit your specific financial situation

  • Better Lending Team
  • 10745 Foxhole Road, Clermont, FL, 34711
  • The Better Lending Team team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.

  • Absolute Mortgage Solutions LLC
  • 680 St. Clair Street, Suite 360171, Melbourne, FL, 32936
  • Kristine is the President at Absolute Mortgage Solutions, LLC., where she is very hands on in the day-to-day operation of the company. Kristine personally processes her applications from start to finish. Including purchases, refinances and educating her clients about their financing options. Kristine works with numerous real estate offices.

  • CITRUS LENDING INC.
  • 1100 N. Lyle Ave., Crystal River, FL, 34429
  • Citrus Lending is a full service mortgage brokerage serving all of Florida and has been helping Floridians get financing for their new home since 2005. Whether you are a first time home buyer or looking for investment property, Citrus Lending will work with you to get you the financing you need to make your real estate dreams come true.

  • Independent Mortgage
  • 10430 New York Ave, Suite B, Urbandale, IA, 50322
  • Independent Mortgage is one of Iowa's oldest mortgage banking firms. We have decades of mortgage industry experience that allows us to help you find the loan that is best for your unique situation. Through our main office in Urbandale, Iowa, we can serve the entire State of Iowa.