USDA Vs. FHA Pro and Con comparison in Cold-Spring, Putnam County, NY
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.
Summit Hampton Roads Federal Credit Union has been open since 1970. The credit union has assets totaling $10.32 Million and provides banking services to more than 2, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves health care employees.
New Horizon Bank was founded in Powhatan, VA about 20 miles west of Richmond. In 2009, a group of local business owners had a vision to meet a need – a community bank to provide an alternative to large regional and national banks. Powhatan is comprised of merchants, small manufacturers, farms, individuals, and families
In 1912 the founding members formed a mutual association named Elizabeth Building & Loan. Collectively the members put in their own funding to provide resources for lending. EB&L offers an alternative lending opportunity for first time home owners, repeat borrowers and investors.
1936 Arlington Boulevard, Charlottesville, VA, 22903
Member Options serves homeowners throughout Central Virginia as the mortgage division of UVA Community Credit Union.Our credit union roots mean that we approach mortgage process differently from other lenders.At Member Options, we work with your best interest in mind.We carefully consider your goals & recommend solutions that work to your advantage
5100 George Washington Highway, Portsmouth, VA, 23702
We have been in business since before Tidewater was Hampton Roads and rebranded into #the757 of Coastal Virginia. We have survived recessions, depressions, and natural disasters and will continue to serve you in years to come. Northern Star CU is located in Portsmouth, Virginia. 5100 George Washington Highway, Portsmouth, VA 23702.
ABNB Federal Credit Union celebrating over 62 years of serving members. As a member owned financial institution, we’ve grown to over 78, 000 members, have over $780 million in assets, and are a regional financial institution serving members in Greater Hampton Roads and Northeastern North Carolina through the Outer Banks.
1512 Technology Drive, Suite 103, Chesapeake, VA, 23320
Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Tidewater Home Funding, LLC has been helping neighbors across Hampton Roads and Northeast North Carolina realize the dream of homeownership. Processing, underwriting, loan closing, and funding functions are local and performed in-house enabling our team to provide the utmost in customer service.
2147 Old Greenbrier Rd, Suite A, Chesapeake, VA, 23320
Atlantic Financial Services is a family-owned company that has provided traditional installment lending for more than 20 years. Burnie Staples is the founder and President of Atlantic Financial Services. We are committed to valuing and enriching our customers and employees and being a leader in innovation and technology.
In 1884, just one year after the founding of Andover, Ohio, a group of individuals organized a private bank under a partnership association. The mission of the bank was to serve the financial needs of the local residents.
For one hundred and thirty five years later, the role of the Andover Bank has remained basically unchanged
