USDA Vs. FHA your options comparison in Clinton, Dutchess County, NY
For 2026, the USDA loan upper limit in Clinton, located in Dutchess county, NY, is $581,200. Meanwhile, the FHA loan limit for a single-family home is $472,030.
To compare today's competitive rate offerings for USDA and FHA loans, use the Lendersa® USDA loan calculator. This tool helps you assess income, credit, reserve requirements, and necessary documentation for qualification. Our sophisticated mortgage calculator lays out USDA, FHA, Conforming, and VA options side by side so you can choose the best option for your financial circumstances in .
2026 Loan Caps and Down Payment Requirements in Clinton, Dutchess County, NY
Loan Type
Loan Limit
Down Payment
USDA
$581,200
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,525
3%
Exploring USDA and FHA Loan Options in Clinton, NY
Lendersa® is committed to quickly securing you the most effective USDA or FHA loan without inconvenience. Choose from three initial actions that guide you to matching lenders and USDA loan programs.
The USDA home loan is guaranteed by the Department of Agriculture and is also known as a USDA rural development loan or USDA mortgage. This type of loan is available only in rural areas. Unlike FHA loans, which need a minimum 3.5% down payment, USDA loans require no down payment.
Rhinebeck Bank is a full service, locally focused bank headquartered in Poughkeepsie, NY. We offer a full range of personal checking, savings, money market and certificates of deposit as well as, home equity lines of credit and mortgages. For commercial customers we offer a broad variety of products and services for sole proprietors, partnerships.
Today, Hudson Valley Credit Union is a full service not-for-profit financial cooperative, 300, 000+ members strong. We extend membership to our neighbors who live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties.
Twenty years after its first business was founded, the Village of Millbrook needed a bank. The State of New York granted the Bank of Millbrook its charter on May 11, 1891, and seven days later we received our first customers on Franklin Avenue. Our first Board of Directors consisted of 15 prominent businessmen and residents of the community.
Ulster Federal Credit Union is a non-profit association of member owners whose goal is to provide a variety of financial services that feature benefits and advantages over those generally available from other banking sources and to encourage their use with the specific intent of helping our members improve their personal financial status.
Ulster Savings Bank is more than just banking! We offer a full line of products and services for both personal and business such as insurance, payroll services, tax preparation and wealth management. business such as insurance, payrol A leader in community giving, Ulster Savings Bank is actively involved in the communities we serve
TEG Federal Credit Union is a local, member-owned, not-for-profit, full-service community financial institution open to all those who live, work, worship or attend school in Dutchess, Orange, Ulster, Sullivan, Putnam, Rockland and Westchester County in New York. Since 1969, TEG has been a steady source of financial services to its members.
Wallkill Valley Federal Savings & Loan Association, the stated goals were to promote thrift and homeownership within the local community. The Association sought to meet these goals by providing a safe place for local savings deposits and by prudently lending these deposits back into the community in the form of home mortgages
Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities. Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs
