USDA Vs. FHA Pro and Con comparison in Ellenville, Ulster County, NY
In 2026, the USDA loan cap in Ellenville, located in Ulster, NY, reaches $336,500, while the FHA limit for a single-family dwelling is set at $472,030.
Utilize Lendersa®'s USDA loan calculator to juxtapose the latest USDA rates against FHA offers, and to ascertain the income, credit, reserves, and documentation requisite for qualification. Our comprehensive mortgage calculator presents a comparison of USDA, FHA, Conforming, and VA programs side by side, assisting you in selecting the most suitable option for your financial scenario within .
2026 Loan Limits and Down Payment Requirements in Ellenville, Ulster, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Explore USDA and FHA Loan Opportunities in Ellenville, NY
Lendersa® aims to secure the best USDA or FHA loan for you promptly and effortlessly. Choose one of three initiating steps to connect with lenders and the USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, often referred to as a USDA rural development loan or mortgage. It operates exclusively in rural areas. Differing from FHA mortgages, which mandate a minimum of 3.5% down, USDA loans demand no down payment at all.
The formation of Cooperative Federal Credit Union was based on a need. It came to fruition after many hours of hard work and the untiring dedication of ordinary people, specifically the founders and members of The Cooperative Fire Insurance Companies of Sullivan and Adjoining Counties.
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
Walden Savings Bank is the 11th oldest federally chartered mutual savings bank in the United States and while some banks may come and go, Walden Savings Bank has been here for nearly 150 years. With 11 convenient branch locations throughout the Hudson Valley, including our Dutchess County Lending office
Heritage Financial Credit Union is a community based not-for-profit financial institution that is member-owned and has been serving members in communities for over 80 years. As an organization, Heritage Financial exists to be able to promote financial well being with best-in-class financial products and services so members may reach their fullest p
Orange Bank & Trust Company is an independent bank that began with the vision of 14 founders over 125 years ago. It has grown through conservative banking practices, ongoing innovation and an unwavering commitment to its community and business clientele to more than $2.0 billion in total assets.
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.
Ulster Federal Credit Union is a non-profit association of member owners whose goal is to provide a variety of financial services that feature benefits and advantages over those generally available from other banking sources and to encourage their use with the specific intent of helping our members improve their personal financial status.
Ulster Savings Bank is more than just banking! We offer a full line of products and services for both personal and business such as insurance, payroll services, tax preparation and wealth management. business such as insurance, payrol A leader in community giving, Ulster Savings Bank is actively involved in the communities we serve
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.
