For 2026, 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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| Loan Type | Loan Limit | Down Payment |
| USDA | $581,200 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,525 | 3% |
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.
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?
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