USDA Loan Vs. FHA loan for Cold-Spring, NY [Putnam County ]

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.

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.

Understanding the USDA Loan in NY

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.

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Cold-Spring Lenders
(800) 711-1071 Lender's profile and map Putnam Capital Services 1013 Route 6, Mahopac, NY, 10541 Lends in New York At Putnam Capital Services, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(845) 225-3688 Lender's profile and map The Putnam County National Bank of Carmel 43 Gleneida Ave, Carmel, NY, 10512 Lends in New York Putnam County National Bank was established in 1865. We are locally owned and operated. We have been delivering exceptional service to our customers and the communities we serve for over 150 years! Our high level of personal service and dedication is evident as we strive to satisfy our customers' financial needs and improve our communities.
(877) 478-6562 Lender's profile and map Sun Mortgage Company, Inc. 2 Robbie Rd Cortlandt, Manor, NY, 10567 Lends in New York Sun Mortgage Company, Inc., professional mortgage company specializing in residential mortgages. 7 years Five Star Mortgage Professionals, Ranking in the top 1% for client satisfaction out of 1,800 Realtors, Westchester Magazine. At Sun Mortgage Company, Inc., we will find a loan that fits each borrower.
(914) 736-9230 Lender's profile and map A.S.A.P. Mortgage Corp. 2 S. Division St, 2nd Floor, Peekskill, NY, 10566 Lends in New York ASAP Mortgage Corp. has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual home buyers throughout New York, New Jersey, Connecticut, Massachusetts, Pennsylvania, and Florida. We are a full service mortgage brokerage firm with an experienced staff offeri
(845) 928-2845 Lender's profile and map Superior Mortgage Co., Inc. 578 Route 32, Highland Mills, NY, 10930 Lends in New York Superior Mortgage Co., we specialize in residential and commercial loans. This is all we do so you can count on us to provide the best products and services available. Whether you are purchasing or refinancing or you need a home equity loan, even if you have credit problems, we can help you.When you call Superior Mortgage you work directly with us.
(845) 452-7323 Lender's profile and map TEG Federal Credit Union 1 Commerce Street, Poughkeepsie, NY, 12603 Lends in New York 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.
(845) 463-3011 Lender's profile and map Hudson Valley Credit Union PO Box 1071, Poughkeepsie, NY, 12602 Lends in New York 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.
(845) 774-0831 Lender's profile and map O&R Utilities Employees Federal Credit Union 14 Talmadge Court, Monroe, NY, 10950 Lends in New York On September 9, 1980 a small group of O&R Utilities Employees chartered the credit union. It was formed for the purpose of creating a place where employees could save and borrow safely, confidentially and at fair rates of interest. Our current location is at 14 Talmadge Court in Monroe, NY
(845) 233-6577 Lender's profile and map Astar Home Capital Inc 48 Bakertown Road, Suite 204, Monroe, NY, 10950 Lends in New York Astar Home Capital, your best interest is our only goal. Putting this mindset into action, we focus on educating you as a customer, explaining the details and advantages of all the different options. Staying constantly in touch, our brokers go above and beyond, leaning on their years of experience, knowledge, and creativity to secure loans.