FHA VS Conventional loan programs in 2026 for Washington, Dutchess County, New York
For 2026, the Conventional loan limit in Washington, Dutchess county, NY is $726,525, whereas the FHA limit for a single-family home is $472,030.
Use the Lendersa® calculator to compare today's top rates for Conventional, FHA, and USDA loans, determining income, credit, reserves, and the documents needed. Our mortgage tool shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best program in NY for your financial situation.
2026 Loan Limits and Down Payment Requirements in Washington, Dutchess County, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,525
3%
USDA
$581,200
0%
FHA
$472,030
3.5%
The comparison table applies to zip codes: 12545
Conventional and FHA Loan Options in Washington, NY
Lendersa® aims to quickly secure the best possible Conventional, USDA, or FHA loan without hassle. Choose from three starting points that connect you with matching lenders and loan programs.
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.
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.
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.
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.
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
