In 2026, the USDA loan limit for Cold-Spring, situated in the county of Putnam, NY, is $657,900. Meanwhile, the FHA limit for a single-family home reaches $822,375.
Leverage the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Assess income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator juxtaposes USDA, FHA, Conforming, and VA loans, aiding in deciding the best program in for your financial needs.
2026 Loan Limits and Downpayment Requirements in Cold-Spring, Putnam County, NY
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Options in Cold-Spring, NY
Lendersa® is dedicated to finding the most suitable USDA or FHA loan for you swiftly and without difficulty. Choose one of three starting methods that connect you with lenders and USDA loan programs tailored to your needs.
The USDA home loan is government-backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, available only in rural areas. In contrast, FHA loans demand a minimum of 3.5% down payment, whereas no down payment is needed for a USDA loan.
4600 East-West Hwy, Suite 400, Bethesda, MD, 20814
Presidential Bank Mortgage is a full service, residential mortgage lender headquartered in Bethesda, MD that has served our community since 1987. As an operating division of Presidential Bank, FSB, Presidential Bank Mortgage provides loans across the USA. Presidential Bank Mortgage continues to grow each year and has doubled in size since 2010.
7501 Wisconsin Avenue, Suite 1200E, Bethesda, MD, 20814
Walker & Dunlop is the largest provider of capital to the multifamily industry in the USA and the fourth largest lender on all commercial real estate including industrial, office, retail, and hospitality. Walker & Dunlop enables real estate owners and operators to bring their visions of communities where Americans live, work, shop and play to life.
4550 Montgomery Avenue, Suite 115N, Bethesda, MD, 20814
Mortgage Star believes that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. we're here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction.As a broker, we don’t work for the banks we work for our clients. We seek out the best lender.
We have built a powerful reputation as an outstanding mortgage lender serving the lending needs of real estate professionals, builders and individual homebuyers in California, Florida, Illinois, Maryland, New Jersey, North Carolina, Pennsylvania, Texas, Virginia, and Washington DC.
The Bancstar Mortgage LLC team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Founded in 2001, Eastern Union is a leading national commercial mortgage brokerage company that has closed $12 billion in real estate transactions over the past three years. The firm employs more than 70 highly skilled brokers and real estate professionals. Eastern Union’s capital introductions are handled through its affiliated company
Access Capital Mortgage is a full service nationwide lender, known for its integrity and experience in the mortgage industry. We offer multiple loan programs with great rates and flexible terms. Access Capital Mortgage has three retail branches conveniently located in the Baltimore, Maryland Metro Washington D.C. area.
The Police Federal Credit Union, headquartered in the Washington, D.C. metropolitan area, is a full service, not-for-profit, financial institution that has been committed to protecting the financial interests of members of the law enforcement community and serving their financial needs since 1935.
Geico Credit Union offers savings, loans, mortgages, banking, and financial services. We're available to our members day and night. Our Help Center is here to assist you with any questions you may have. Our passion is empowering everyone to discover financial freedom. All we’re missing is you!
