Explore the differences! FHA VS Conventional loan programs in Saugerties, Ulster County, New York
In 2026, the Conventional loan limit in Saugerties, nestled in the county of Ulster, NY, is $726,200. Conversely, the FHA limit for a single-family house is pegged at $472,030.
Utilize the Lendersa® Conventional loan calculator to compare the leading market rates across Conventional, FHA, and USDA loans, and ascertain the income, credit, reserves, and documentation required for qualification. With our advanced mortgage calculator, visualize side-by-side comparisons of Conforming Conventional loans, USDA, FHA, and VA options to help determine which program in NY is most beneficial for your individual financial needs.
2026 Loan Limits and Downpayment Necessities in Saugerties, County of Ulster, NY
Type of Loan
Maximum Loan Limit
Required Downpayment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
These figures are applicable to the following zip codes: 12456
Options for Conventional and FHA Loans in Saugerties, NY
The goal of Lendersa® is to secure the most suitable Conventional, USDA, or FHA loan for you rapidly and effortlessly. Initiate the process using any of three beginning paths to align with matching lenders and loan programs.
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.
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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
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