USDA and FHA Pro and Con in Highland, Ulster County, NY

As of 2025, the USDA loan limit in Highland, county of Ulster, NY, stands at $336,500, whereas the FHA limit for a single-family home is $472,030.

Utilize the Lendersa® USDA loan calculator to evaluate the most competitive USDA versus FHA rates today, and discern the required income, creditworthiness, reserves, and necessary documents for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding in the selection of the ideal program for your financial situation in .

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Loan Limits and Downpayment Criteria for 2025 in Highland, Ulster County, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Exploring USDA and FHA Loan Opportunities in Highland, NY

The objective of Lendersa® is to efficiently facilitate the best suited USDA or FHA loan without complication. Choose from three initial pathways that connect to matching lenders and USDA loan options.

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Defining a USDA Loan in NY

A USDA home loan, guaranteed by the government Department of Agriculture, commonly called a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA mortgages require no down payment at all.

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



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