USDA and FHA Pro and Con in Amenia, Dutchess County, NY

In 2025, the USDA loan limit for a single-family home in Amenia, within Dutchess county, NY, is $581,200. The FHA loan limit, by contrast, is set at $472,030.

Utilize Lendersa®'s USDA loan calculator to evaluate today's top USDA versus FHA rates. Determine the income, credit score, reserves, and essential documents needed to qualify. Our advanced mortgage calculator presents side-by-side comparisons of USDA, FHA, Conforming, and VA loans, aiding you in determining which program best suits your financial needs in .

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2025 Loan Limits and Down Payment Requirements in Amenia, Dutchess, NY

Loan Type Loan Limit Down Payment
USDA $581,200 0%
FHA $472,030 3.5%
Conventional Conforming $726,525 3%

Exploring USDA and FHA Loan Options in Amenia, NY

At Lendersa®, our objective is to swiftly secure the best possible USDA or FHA loan for you, without hassle. Begin with one of three steps to connect with matching lenders and suitable USDA loan programs.

Lendersa USDA loan request and matching results

What is a USDA Loan in NY?

A USDA home loan, backed by the U.S. Department of Agriculture, is known as a USDA rural development loan or USDA mortgage and is specifically available in rural areas. Unlike FHA loans that require a 3.5% down payment, USDA loans do not require any down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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