In 2026, the USDA loan limit set in Carmel-Hamlet, part of Putnam county in NY, is $657,900. Meanwhile, for a single-family home, the FHA limit is set at $822,375.
The Lendersa® USDA loan calculator provides a means to compare today's most favorable USDA versus FHA rates, assessing the required income, credit standing, reserves, and documentation for qualification. This advanced mortgage tool offers a side-by-side view of USDA, FHA, Conforming, and VA loans, enabling you to decide which plan suits you best in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa® is dedicated to finding you the most beneficial USDA or FHA loan, efficiently and without complications. Start with one of three options to match with lenders and discover appropriate USDA loan programs.
The USDA home loan is a government-backed product by the Department of Agriculture, known as the USDA rural development loan or USDA mortgage, offered exclusively in rural locales. Unlike FHA loans, which mandate a minimum down payment of 3.5%, USDA loans are notable for not requiring any down payment whatsoever.
Enter your location to find out if it qualifies for USDA rural housing loan?
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