USDA and FHA Pro and Con in Bethel, Sullivan County, NY

In 2025, USDA loan limit in Bethel, county of Sullivan, NY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Bethel, county of Sullivan, NY

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Bethel, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Citywide Mortgage of America Corp
  • 4323 W Irving Park 1B, Chicago, IL, 60641
  • Citywide Mortgage Of America Corp is committed to find you the right mortgage for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward.
  • Iroquois Farmers State Bank
  • 111 W Lincoln St, Iroquois, IL, 60945
  • Iroquois Farmers State Bank (IFSB) opened in 1919 with capital and surplus of $25,000 and assets of $400,000. The bank was formed by local residents of Donovan, Iroquois, Sheldon, and Watseka, Illinois. IFSB was established to fulfill the needs of the local communities, a tradition that continues today.During the Great Depression.
  • Northview Bank & Trust
  • 245 Waukegan Rd, Winnetka, IL, 60093
  • Northview Bank & Trust, a Wintrust Community Bank, offers reliable and convenient banking solutions tailored to our customers, their needs, and our unique community. No matter your personal financial goal or small business banking need, we can help. But, we also go above and beyond basic financial solutions
  • 1st Eagle Mortgage Inc
  • 790 West Frontage Road, Suite 418, Northfield, IL, 60093
  • 1st Eagle Mortgage is a full-service mortgage company, working closely with current and prospective property owners in the Chicagoland area to create tailor-made mortgages to meet their needs. Our focus is on you, the customer. We understand that every customer’s situation is unique.
  • LendLink Financial Inc
  • 5901 North Milwaukee Avenue, Suite F, Chicago, IL, 60646
  • At LendLink Financial 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.
  • Smooth Mortgage Company LLC
  • 4001 West Devon Avenue, Suite 321, Chicago, IL, 60646
  • Smooth Mortgage is built upon 18 years of mortgage and finance excellence in Chicago and surrounding areas. We work hard to get you the lowest possible rate, beating banks and retail lenders. With Smooth, you have one point of contact who works with you all the way through from beginning to end. We only partner with the best lenders.
  • Unified Homeowners of Illinois Federal Credit Union
  • 4464 N Milwaukee Avenue, Chicago, IL, 60630
  • Unified Homeowners of Illinois Federal Credit Union is an federal credit union whose philosophy is to deliver sound financial information and services that help Illinois homeowners maintain and improve their homes. Unified Homeowners of Illinois was chartered in February 2006. Unified Homeowners’ of Illinois Federal Credit Union (UH of IL FCU)
  • Premier Capital Solutions
  • 4849 N. MIlwaukee Ave, Suite 801, Chicago, IL, 60630
  • Alexander Villegas, CEO & Founder of Premier Capital Solutions, recognized the need for a new company to meet the needs of a new economy. As the financial and real estate markets have rapidly changed in recent years, he recognized a considerable need for a financial servicing solution that goes well beyond the capabilities of traditional servicers.