USDA Loan Vs. FHA loan pro & con 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 .

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.

Lendersa USDA loan request and matching results

Understanding USDA Loans in NY

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.

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(908) 625-8878 Lender's profile and map Reviews GOLDEN MORTGAGE CORPORATION 818 Route 202-206, Bridgewater, NJ, 8807 Since 1998, our mission is to serve our New Jersey and New York 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.
(732) 225-1505 Lender's profile and map Reviews Pinnacle Federal Credit Union 135 Raritan Center Parkway, Edison, NJ, 08837 Pinnacle Federal Credit Union has been a dependable, not-for-profit financial partner to members in Edison, NJ and surrounding Middlesex County since 1962. In our 50+ years of service to the local community, we’ve grown from humble beginnings into a full-service financial institution in Edison with 300 employer and serving members across NJ, NY PA.
(917) 966-0791 Lender's profile and map Reviews M&B Mortgage LLC 100 Plainfield Avenue, Suite B2, Edison, NJ, 08817 MB Mortgage, LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time, and you can trust.
(732) 204-7777 Lender's profile and map Reviews Cloud9CapitalCorp Inc 2015 Lincoln Highway, Suite 180, Edison, NJ, 08817 Cloud9CapitalCorp is a fast growing professional organization engaged in corporate financial advisory, debt syndication, investment banking & financial services, and other allied management services, based out of New Jersey. Cloud9CapitalCorp has been promoted by professionals and managed by highly qualified, experienced and dynamic professionals
(570) 348-2140 Lender's profile and map Reviews CMC-FCPI Employees Federal Credit Union 415 Colfax Avenue, Scranton, PA, 18510 The CMC Employees FCU was established in 1975. On January 1, 1991 FCPI FCU merged with CMC Employees FCU creating CMC-FCPI Employees FCU. Our field of membership includes: employees, doctors, medical staff, and technicians of the Geisinger Community Medical Center who work in Scranton.
(518) 886-3400 Lender's profile and map Reviews Hudson River Community Credit Union One Third Street, Corinth, NY, 12822 Hudson River Community Credit Union (HRCCU) was founded in 1954 by the employees of International Paper Company in Corinth, New York as IPCO Federal Credit Union. Today, HRCCU is a state-chartered community credit union. Anyone who lives, works, worships, or attends school located within Saratoga, Warren, Washington,
(855) 713-8001 Lender's profile and map Reviews ESSA Bank & Trust 200 Palmer Street, Stroudsburg, PA, 18360 ESSA Bank & Trust (ESSA) was established in 1916 when Mr. John Gish founded the East Stroudsburg Building & Loan Bank in East Stroudsburg, PA. A number of strategic mergers during the early years resulted in a name change to East Stroudsburg Savings Association. As a result, by 1971, assets had grown to $20 million dollars
(570) 421-5585 Lender's profile and map Reviews NE PA Community Federal Credit Unio 337 Clay Avenue, Stroudsburg, PA, 18360 NE PA Community Federal Credit Union’s mission is to provide the best banking experience for our members. Established in 1960, NE PA is always striving to deliver great rates, innovative financial products and services, and unbeatable member service. Serving Monroe and Pike Counties since 1960. Federally Insured by NCUA. Equal Housing Lender.
(570) 344-1513 Lender's profile and map Reviews Spojnia Credit Union 1006 Pittston Avenue, Scranton, PA, 18505 Spojnia Credit Union is a state-chartered, not-for-profit, full-service financial institution that is member-owned & controlled through a board of directors. The voluntary board, elected by the membership, establishes and revises the credit union’s policies and sets dividend rates so that you can earn more when you save & pay less when you borrow.
(570) 207-6334 Lender's profile and map Reviews Invicta Mortgage Group 230 Prospect Ave, Scranton, PA, 18505 We are a local company servicing Pennsylvania and Florida with more ease and flexibility than out-of-the box solutions. Our expertise is at your disposal. We take pride in personally handling your specific needs and walking you through the entire process.vania and Florida with more ease and flexibility than out-of-the box solutions.
(570) 207-6334 Lender's profile and map Reviews Invicta Mortgage Group, Inc 230 Prospect Ave, Scranton, PA, 18505 We are a local company servicing Pennsylvania and Florida with more ease and flexibility than out-of-the box solutions. Our expertise is at your disposal. We take pride in personally handling your specific needs and walking you through the entire process.vania and Florida with more ease and flexibility than out-of-the box solutions.
(860) 444-5104 Lender's profile and map Reviews Lawrence Memorial CU 365 Montauk Avenue, New London, CT, 06320 Lawrence Memorial Hospital Employees Federal Credit Union was organized under the laws of the United States in 1959 as a federally regulated co-operative whose sole purpose is to render financial services to its membership. Therefore, we operate exclusively for the benefit of our members who have access to a full range of financial services.