FHA VS Conventional loan programs in 2026 for Union-Vale, Dutchess County, New York

In 2026, the maximum Conventional loan limit in Union-Vale, within Dutchess county, NY, is $726,525. For a single-family home, the FHA limit is $420,680.

Utilize the Lendersa® Conventional loan calculator to compare today's top rates between Conventional, FHA, and USDA loans. Examine the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which program in NY is best for your financial needs.

Explore loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Union-Vale, Dutchess County, NY

Loan Type Loan Limit Down Payment
Conventional Conforming $726,525 3%
USDA $581,220 0%
FHA $420,680 3.5%

This comparison applies to zip codes: 12585

Exploring Conventional and FHA Loan Options in Union-Vale, NY

The aim of Lendersa® is to assist you in acquiring the best possible Conventional, USDA, or FHA loan quickly and easily. Choose one of three starting options that lead to matching lenders and suitable loan programs.

USDA Loan Request and Matching Results via Lendersa


  • GREAT AMERICAN LENDING
  • 3400 Irvine Blvd, Suite 107, Newport Beach, CA, 92660
  • We will treat you with the respect due an esteemed customer and give you the personal service you deserve. We understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: we will help you qualify, apply and be approved for the ideal mortgage for you.

  • Monarch Coast Financial
  • 20151 SW Birch St, Suite 230, Newport Beach, CA, 92660
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Loanry
  • 23 Corporate Plaza, Newport Beach, CA, 92660
  • Loanry® is an Interactive Platform & the consumer facing brand. The backend of Loanry is powered by the company’s lead generation platform that connects lenders with consumers looking for personal loans, business loans, & mortgages among other types of loans. Consumers can even shop Loanry's money tools to compare real-time rates

  • Prime Pacific Financial
  • 1001 Dove Street, Suite 100, Newport Beach, CA, 92660
  • Prime Pacific Financial is a successful mortgage brokerage firm. Our offices located in Newport Beach support our staff and are designed to fulfill the needs of our customers with convenience, ambiance and professionalism. Prime Pacific Financial was created around a processing, packaging and customer relationship concept.

  • Pacific Residential Lending Inc
  • 4590 MacArthur Blvd, 5th Floor, Newport Beach, CA, 92660
  • We believe that what’s good for our customer is good for us, too. We are allies for our customers advocating for sensible laws and stronger accountability. Integrity filters all of our decisions. When we act in integrity, we build trust by always making the right choice, regardless of circumstance.

  • Lenderline
  • 23 Corporate Plaza, Suite 150, Newport Beach, CA, 92660
  • "LENDERLINE® is staffed by seasoned veterans of the mortgage industry, many with over 25 years of experience financing a broad range of residential and commercial properties.

    We excel in providing niche loan products, including full amortization and interest only loans, for residential, multifamily and commercial properties."

  • Perra Mortgage Loans
  • 20151 SW Birch Street, Suite 200, Newport Beach, CA, 92660
  • We specialize in purchase transactions. Unlike a refinance, a purchase transaction has time frames & contractual commitments that unless honored can cause stress, financial penalties, the loss of your dream home & even the loss of your earnest money deposit. You want to make sure to entrust your purchase loan & transaction to an expert in this fiel

  • Newport Center Mortgage
  • 801 Bellis Street, Newport Beach, CA, 92660
  • WE OFFER REAL ESTATE FINANCING FOR HOME LOAN PURCHASE TRANSACTIONS, LOAN REFINANCE AND CASH OUT TRANSACTIONS. CALIFORNIA MORTGAGE LOANS BOTH JUMBO AND CONFORMING LOANS. OUR PROCESS IS FAST, SIMPLE AND EASY. WE ALSO OFFER COMMERICAL FINANCING, INCLUDES- CONSTRUCTION LOANS, APARTMENT LOANS, INCOME PROPERTY LOANS, AND SBA FINANCING.

  • IPL Mortgage
  • 1601 Dove St, Suite 181, Newport Beach, CA, 92660
  • IPL Mortgage is a full service mortgage company licensed by the California Bureau of Real Estate NMLS license #1323733. All of our agents have a minimum of 10 years of experience, ensuring our clients are working with a knowledgeable professional. We take pride in our customer service with a mission to secure the best possible

  • Double A Funding
  • 3501 Jamboree Road, Suite 430, Newport Beach, CA, 92660
  • Double A Funding is a Full-Service Mortgage Brokerage Company. We have flexibility to shop the entire lender market. This can provide borrowers a significant pricing advantages over banks. Double A Funding Provides both COMMERCIAL LOANS and RESIDENTIAL LOANS with other MULTIFAMILY LOANS or Private Money Loans.