In 2026, the USDA loan limit for Beacon, within Dutchess county, NY, is $581,200, while the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates of today. This tool also helps determine the income, credit, and documents necessary for qualification. With it, you can view USDA, FHA, Conforming, and VA options side-by-side to decide which package in NY suits your financial need perfectly.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $581,200 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,525 | 3% |
Lendersa® aims to quickly and effortlessly connect you with the best USDA or FHA loan. Choose from three starting options that link you to matching lenders with USDA loan offerings.
The USDA home loan, backed by the government Department of Agriculture, is also called the USDA rural development loan or USDA mortgage. It's available only in rural areas. Unlike an FHA loan, which requires a minimum 3.5% down payment, a USDA loan requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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