In 2026, the USDA loan limit in Carmel, county of Putnam, NY, is $776,600, while the FHA limit for a single-family home is $1,089,300.
To compare today’s top USDA versus FHA rates, use the Lendersa® USDA loan calculator. It helps you evaluate income, credit, reserves, and needed documents for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the best program for your financial situation in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® is committed to securing you the best USDA or FHA loan quickly and without hassle. Start by choosing one of three options that connect you to lenders and USDA programs.
A USDA home loan is backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, offered only in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans require no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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