USDA Loan Vs. FHA loan pro & con Dover, Dutchess County, NY

In 2025, USDA loan limit in Dover, county of Dutchess, NY is $581,200 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Dover, NY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in New York?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(800) 761-2400 Lender's profile and map Reviews Mutual Security Credit Union 12 Progress Drive, Shelton, CT, 06484 Mutual Security Credit Union aspires to be the preeminent financial partner that is committed to developing trusted relationships with our members by providing responsible advice and making impactful community investments to position our staff, members and our Community for success.
(617) 257-3887 Lender's profile and map Reviews WILLIAM RAVEIS MORTGAGE, LLC 7 Trap Falls, Shelton, CT, 06484 William Raveis Real Estate, Mortgage & Insurance sets the gold standard for civilized real estate. Raveis.com is at the forefront of technology, serving as a wealth of information for the potential home buyer or seller with detailed searches and open houses, neighborhood mapping, market statistics and graphs.
(203) 926-5600 Lender's profile and map Reviews Quantum Mortgage 2 Corporate Dr, Suite 800, Shelton, CT, 06484 Quantum Mortgage we excel at providing local New York & Connecticut borrowers the resources and guidance to successfully purchase or refinance their home.As a mortgage brokerage, all Quantum employees work for the borrowers & not the bank.Our goal each day is to help our clients receive great customer service, great low rates & quick closing times.
(914) 762-3372 Lender's profile and map Reviews Sing Sing Employees Federal Credit Union 2 Church Street, Suite 204, Ossining, NY, 10562 SSEFCU is a member-owned financial cooperative providing financial banking services to multiple employee groups, but primarily serves select state, and local government employees. Membership is also open to immediate family of current members. We offer banking services like savings, checking, and loan accounts; with great rates and lower fees
(860) 496-2152 Lender's profile and map Reviews The Torrington Savings Bank 129 Main Street, Torrington, CT, 06790 Torrington Savings Bank was chartered in 1868 as a mutual savings bank. It is owned by its depositors, has no shareholders & is operated to serve the banking & investment management needs of the thirty-three towns in Northwest Connecticut. Our Mutual Savings Bank Charter helps us to manage according to the best interests of our local communities.
(860) 489-2212 Lender's profile and map Reviews Torrington Municipal & Teachers Federal Credit Union 777 East Main St, Torrington, CT, 06790 We are a not-for-profit community credit union serving Litchfield County. If you live, work or go to school in Litchfield County, you’re eligible to join. Torrington Municipal & Teachers Federal Credit Union is a full service financial institution owned by it's members, open to anyone who lives, works or goes to school in Litchfield County.
(860) 496-7326 Lender's profile and map Reviews Northwest Hill Credit Union 339 North Elm Street, Torrington, CT, 06790 Formerly The Torrington Company Employees Credit Union, Inc., founded in 1954, Northwest Hills Credit Union, Inc. has provided its members with quality financial services, high dividend rates on deposit accounts, and low rates on loans. The credit union is owned by its members who elect a volunteer Board of Directors responsible for its operations.
(845) 895-2051 Lender's profile and map Reviews Wallkill Valley Federal 23 Wallkill Ave, Wallkill, NY, 12589 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
(845) 928-2845 Lender's profile and map Reviews Superior Mortgage Co., Inc. 578 Route 32, Highland Mills, NY, 10930 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.
(860) 435-2581 Lender's profile and map Reviews The National Iron Bank 195 Main Street, Salisbury, CT, 06068 National Iron Bank strives to be the market’s most trusted and sought after bank, helping consumers and businesses achieve their evolving financial goals while providing the highest level of customer service.With a comprehensive network of branches and ATMs, no one covers the northwest corner like National Iron Bank.
(203) 755-2030 Lender's profile and map Reviews Skyline Financial Federal Credit Union 3528 East Main St, Waterbury, CT, 06705 Skyline Financial Federal Credit Union was chartered in 1935 & remains committed to providing outstanding service to our members.The Credit Union was formed by a group of seven dedicated employees of what was then known as the Southern New England Telephone Company. The intent of our founders was to promote thrift among its members & to make loans.