USDA Vs. FHA Pro and Con comparison in Hurley, Ulster County, NY

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

Use the Lendersa® USDA loan calculator to compare today’s USDA vs. FHA rates and determine the needed income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator offers a side-by-side view of USDA, FHA, Conforming, and VA, aiding in your decision about the best option in considering your financial circumstances.

Explore loan offers from about 100 lenders

Loan Limits and Downpayment Requirements 2025 in Hurley, Ulster, NY

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

USDA and FHA Loan Choices in Hurley, NY

The goal of Lendersa® is swiftly securing you the best USDA or FHA loan without complication. Choose from three initial options to connect with lenders and find the right USDA loan programs.

Findings from Lendersa USDA loan requests

What Are USDA Loans in NY?

The USDA home loan, often called the USDA rural development loan, is secured by the Department of Agriculture and available only in rural regions. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans have no down payment requirement at all.

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



  • Capital Mortgage Group, Inc.
  • 12916 Swedes St, Fairfax, VA, 22030
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Atlantic Coast Mortgage
  • 4097 Monument Corner Drive, 6th Floor, Fairfax, VA, 22030
  • ACM is known for offering a better solution for homebuyers through our simple, easy, & stress-free process. We do this by offering a proprietary blend of technologies, systems, & processes. We not only help our clients close on time; we also provide them with free tools & information to continue guiding and helping them make smart decisions around.
  • Home Savings & Trust Mortgage
  • 3701 Pender Dr , STE 150, Fairfax, VA, 22030
  • We strive to fulfill the dream of home ownership, build lasting client relationships, and create value that stands the test of time. At Home Savings & Trust Mortgage (HSTM), we combine a positive approach with market knowledge and mortgage expertise to ensure homeowners maximize their 'home equity'
  • Peace Home Lending
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  • PEACE’s mission is to help our clients reach their home financial goals by providing holistic advice, based on each clients particular scenario, founded on the principles of proactiveness, efficiency, availability, creativity, and effectiveness. Focused on getting you the best home loan, and making it a great experience along the way.
  • First Heritage Mortgage, LLC
  • 3201 Jermantown Road, Suite 800, Fairfax, VA, 22030
  • First Heritage Mortgage was designed to be the premier source of mortgage financing in the Washington DC metro area. By working hard to prove ourselves on every loan, we have gained a reputation for our ability to provide innovative mortgage solutions, customized to the unique needs of each borrower.
  • Adler Private Lending
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  • Adler Private Lending, we’re specialists in commercial lending and real estate investments. For more than a quarter of a century, we have been the capital resource of choice for Washington area real estate professionals and investors. Renowned for an entrepreneurial spirit combining unique creativity, flexibility, and the ability to perform
  • Intercoastal Mortgage, LLC
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  • Our mission is to provide financing for all types of residential mortgage transactions. As a direct lender, we control the process from start to finish; we make the loan decision. All of our loans are processed, underwritten, & closed locally.Our team of loan officers and professionals are equipped with a level of experience that is second to none.
  • Adler Financial Group
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