USDA Vs. FHA your options comparison in Esopus, Ulster County, NY
In 2026, the USDA loan limit for Esopus, located in Ulster, NY,
is $336,500. Meanwhile, the FHA cap for a single-family home
is $472,030.
Use the Lendersa® USDA loan calculator to evaluate today's leading USDA versus FHA rates.
Identify the income, credit, reserves, and documents needed to qualify.
Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side,
guiding you to choose the best program in for your financial needs.
Loan Limits and Downpayment Requirements for 2026 in Esopus, Ulster, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Esopus, NY
Lendersa® aims to swiftly find you the best USDA or FHA loan effortlessly.
Start with one of three approaches to connect with matching lenders and explore suitable USDA loan programs.
A USDA home loan is guaranteed by the U.S. Department of Agriculture and is also known as a
USDA rural development loan or USDA mortgage, limited to rural areas. Unlike FHA loans needing
a minimum down payment of 3.5%, USDA loans generally require no down payment, offering a unique
advantage for eligible borrowers.
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
Rhinebeck Bank is a full service, locally focused bank headquartered in Poughkeepsie, NY. We offer a full range of personal checking, savings, money market and certificates of deposit as well as, home equity lines of credit and mortgages. For commercial customers we offer a broad variety of products and services for sole proprietors, partnerships.
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.
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.
Twenty years after its first business was founded, the Village of Millbrook needed a bank. The State of New York granted the Bank of Millbrook its charter on May 11, 1891, and seven days later we received our first customers on Franklin Avenue. Our first Board of Directors consisted of 15 prominent businessmen and residents of the community.
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
Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities. Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs
Valley Mortgage Company, Inc. arranges for loans with third party providers who offer a full spectrum of loan products including the following: conventional fixed and variable rate conforming and jumbo loans, Federal Housing Administration (FHA) insured loans, Veterans Administration loans, RHS Guaranteed loans (100% Financing and more
