USDA Vs. FHA Pro and Con comparison in Haviland, Dutchess County, NY
In 2026, the USDA loan limit in Haviland, Dutchess County, NY, is $581,200. For a single-family home, the FHA limit stands at $472,030.
Utilize the Lendersa® USDA loan calculator to compare current USDA and FHA rates, determining the income, credit, reserves, and documents necessary to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, aiding in the selection of the best program in for your financial scenario.
2026 Loan Limits and Downpayment Requirements in Haviland, 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 Options in Haviland, NY
Lendersa® works to secure the best USDA or FHA loan for you promptly and without complication. Select one of three paths to connect with matching lenders and find suitable USDA loan programs.
The USDA home loan, backed by the Department of Agriculture and also known as a USDA rural development loan, is exclusively available in rural neighborhoods. Unlike FHA loans which mandate at least a 3.5% down payment, the USDA mortgage needs no down payment.
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
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.
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
Putnam County National Bank was established in 1865. We are locally owned and operated. We have been delivering exceptional service to our customers and the communities we serve for over 150 years! Our high level of personal service and dedication is evident as we strive to satisfy our customers' financial needs and improve our communities.
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
