In the year 2026, within Bethel, located in the county of Sullivan, NY, the USDA loan limit stands at $336,500, while the FHA sets its single-family home limit at $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate and compare the most favorable USDA versus FHA rates available today. You'll also find out the necessary income, credit score, reserves, and documentation required for qualification. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, allowing you to determine which plan in aligns best with your unique financial needs.
2026 Loan Limits and Down Payment Requirements 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 Alternatives in Bethel, NY
Lendersa® strives to secure the most advantageous USDA or FHA loan with efficiency and simplicity. Start with one of three pathways designed to pair you with lenders and USDA loan programs that best suit your needs.
A USDA home loan, also known as a USDA mortgage, is backed by the government via the Department of Agriculture. It is uniquely offered in rural areas only. FHA loans, in contrast, demand a minimum down payment of 3.5%, whereas the USDA loans do not mandate any down payment at all.
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