USDA VS FHA 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 .

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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.

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An Overview of USDA Loans in NY

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Tri-State Mortgage LLC
  • 6436 South Racine Circle, Suite 114, Centennial, CO, 80111
  • Tri-State Mortgage began in 2003 by Frank Brock. Mr. Brock had worked in the the industry since 1991 and has worked for several small mortgage companies and larger firms such as: Countrywide, Key Bank and Lehman Brothers. The customer service provided by the big lenders prompted the creation of Tri-State Mortgage.

  • Oxford Mortgage LLC
  • 6300 South Syracuse, Suite 155, Centennial, CO, 80111
  • Oxford Mortgage, LLC offers a variety of loan programs to meet your needs. Our team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available. Whether you are first time home buyer, purchasing another home, refinancing an outstanding loan, or consolidating debt.

  • Professional Mortgage Source LLC
  • 6021 South Syracuse Way, Suite 305, Greenwood Village, CO, 80111
  • Professional Mortgage Source is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help.

  • Money Max Mortgage Inc
  • 5975 South Quebec Street, Suite 275, Englewood, CO, 80111
  • Money Max Mortgage Use our home loan calculator to estimate your mortgage payment, with taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan to calculate your mortgage payment breakdown, schedule, and more and also Deciding on the perfect house can be challenging. MoneyMax Mortgage Inc.

  • Premier Coastal Lending
  • 6436 South Racine Circle, Suite 117, Centennial, CO, 80111
  • We are a full service mortgage brokerage with our main office out of Orlando. We service all areas of Florida and specialize in purchase loans and refinances. We have a range of all loan products from down payment assistance to non QM jumbo financing. and We've been helping customers afford the home of their dreams for many years.

  • Prime Mortgage LLC
  • 8400 East Crescent Parkway, Suite 600, Englewood, CO, 80111
  • Prime Mortgage, LLC is committed to making the mortgage loan application process SIMPLE. We listen, and take the time to understand your unique needs. By partnering with the top investors, we are able to provide a wide variety of loan solutions to meet your requirements. Over the last 20 years I have had the privilege of helping many people.

  • Ohn Home Loans LLC
  • 7887 East Belleview Avenue, Suite 1100, Denver, CO, 80111
  • OHn was founded out of the desire to bridge the gap between antiquated big banks and digital mortgage start-ups. Big Banks are typically slow, inconvenient and often unreliable. New digital mortgage start-ups lack the personal care, local expertise and product selection that is often necessary during the home buying process.

  • Custom Lending Inc
  • 7120 East Orchard Road, Suite 400, Englewood, CO, 80111
  • Our mission at Custom Lending is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Colorado Lending Group
  • 8400 East Crescent Parkway, Suite 600, Englewood, CO, 80111
  • Colorado Lending Group is more than a mortgage lender—we are a team that strives to make home purchases and refinancing easier and more convenient. Serving Greenwood Village, Colorado, and the rest of the state, we strive to deliver up-to-date advice backed by more than 20 years of experience in the industry.