USDA VS FHA in Fishkill, Dutchess County, NY

For 2025, the USDA loan limit in Fishkill, Dutchess county, NY, is $581,200, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to compare today’s optimal USDA versus FHA rates and determine the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the best suited program for your financial situation in .

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2025 Loan Limits and Downpayment Details in Fishkill, Dutchess, NY

Loan Type Loan Limit Down Payment
USDA $581,200 0%
FHA $472,030 3.5%
Conventional Conforming $726,525 3%

USDA and FHA Loan Paths in Fishkill, NY

Lendersa® focuses on offering you the best USDA or FHA loans quickly and without hassle. Choose one of three starting points to connect with matching lenders and explore USDA loan programs.

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Defining USDA Loans in NY

The USDA home loan, also referred to as a USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture and available only in rural neighborhoods. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans have no down payment requirement.

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



  • Hudson United Mortgage
  • 95 S. Middletown Road, Nanuet, NY, 10954
  • Hudson United Mortgage, LLC is a licensed mortgage banker by NYS Dept of Financial Services / Licensed by NJ Dept of Banking and Insurance, and is not affiliated with Hudson United Bank. When real estate agents told us that their clients were frustrated with the mortgage process, we started Hudson United Mortgage. When you work with a real estate a
  • Starr Mortgage Company Inc
  • 15 North Mill Street, Suite 215, Nyack, NY, 10960
  • Starr Mortgage Company, Inc. has quickly become a benchmark in the mortgage industry. Our headquarters is located in Nyack, NY in the historic Hudson Valley Region of New York, however our area of influence and expertise ranges all the way from Rockland and Westchester Counties, throughout all 5 boroughs of New York City.
  • Synergy Mortgage
  • 41 South Street, Suite A, Warwick, NY, 10990
  • Our mission is to provide our clients sound advice together with true value. We also put a lot of emphasis on keeping our clients informed throughout the process, connecting you to a team of people to handle your file (you won't be bounced all over, repeating the same things again and again). It's actually going to be an enjoyable.
  • Avant Capital Partners
  • 51 Locust Avenue Suite 204, New Canaan, CT, 06840
  • Avant Capital® provides mortgage financing to owners of commercial and multifamily real estate in the $1 to $60+ million range. We focus on properties in major markets nationwide We are experiencing strong demand for our bridge loan product as commercial banks have reduced CRE lending or are unable to meet borrowers’ closing timelines.
  • Bankwell
  • 156 Cherry Street, New Canaan, CT, 06840
  • We pride ourselves on our unique ability to provide customers with a hometown, private banking experience, and the products and technology that meet their everyday needs. Our mission remains the same after 15 years: to provide outstanding personal service and add value to each of the communities we serve.
  • Fenwick Mortgage
  • 59 Grove Street, Unit 1F, New Canaan, CT, 06840
  • We offer the best mortgage tools available on the Internet - easy, convenient, online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs
  • Emigrant Mortgage Co Inc
  • 7 Westchester Plz, Suite 229, Elmsford, NY, 10523
  • Emigrant Mortgage Company, Inc. (Emigrant) is a direct lender specializing in creative financing for residential properties. Headquartered in Elmsford, New York, Emigrant is a wholly owned subsidiary of Emigrant Bank, which has been serving the credit and banking needs of the New York community for more than 169 years.
  • Nationwide Equities Corporation
  • 1 International Blvd, Suite 1202, Mahwah, NJ, 07495
  • Nationwide Equities is a family-owned, veteran mortgage lender that has been serving communities nationwide for over 20 years. We have established a proven track record as being the best service-oriented direct lender with a full menu of purchase, refinance, and reverse mortgage programs.
  • Longbridge Financial, LLC
  • 1 International Blvd, Suite 900, Mahwah, NJ, 07495
  • Longbridge Financial. LLC helps qualifying homeowners take some of the financial stress out of retirement by gaining immediate access to the home equity they have built up over the years. We do this through a Reverse Mortgage – more accurately now called a Home Equity Conversion Mortgage (HECM).
  • Palisades Credit Union
  • 300 N Middletown Road, Suite 6, Pearl River, NY, 10965
  • Palisades Credit Union is a not-for-profit organization founded in 1941 with a vision of building valued relationships through a lifetime of financial solutions. As the largest Rockland County based Credit Union, we provide a suite of full service banking products and services. Membership to Palisades Credit Union
  • Quintessential Mortgage Group
  • 399 Knollwood Road, Suite 320, White Plains, NY, 10603
  • Quintessential Mortgage Group,we believe in treating customers the way we would like to be treated. We educate, advise, & empower you with mortgage planning tools to help you make informed decisions.We know you need a lot of information before you decide which mortgage broker is right for you, & we’re prepared to give you the information you need.
  • 360 Capital Funding
  • 777 Westchester Avenue, Suite 101, White Plains, NY, 10604
  • 360 Capital Funding is a privately held direct lender whose principals have over 30 years of experience in real estate lending and investing. Our firm provides acquisition, refinancing, rehab and development loans for ALL property types. We offer quick decisions and flexible terms to meet your financing needs.