USDA and FHA Pro and Con in Kent, Putnam County, NY
In 2026, the USDA loan limit within Kent, county of Putnam, NY, stands at $776,600, while the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA vs FHA rates, and assess the income, credit, reserves, and documentation needed to qualify. This advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, helping you determine the best option for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Kent, Putnam, NY
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
USDA and FHA Loan Options in Kent, NY
The mission of Lendersa® is to quickly and seamlessly connect you with the best USDA or FHA loan. Choose one of three pathways that align you with lenders and USDA loan programs.
A USDA home loan is a government-backed loan through the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, and is available exclusively in rural areas. In contrast to FHA loans, which require at least a 3.5% down payment, USDA loans require none.
A St. Joseph Hospital employee, microbiologist Dennis Carr, first introduced the credit union idea, and St. Joseph Hospital Employees’ Credit Union was chartered in 1963. The name was changed to Medical Community Credit Union in 1998 and to Wheat State Credit Union in 2015 to better reflect the expanded field of membership we now serve.
Freedom 1st FCU is a profit-sharing cooperative financial institution, dedicated to quality service in meeting the financial needs of its members. The safety and stability of its members' assets shall be the prime consideration in the development and delivery of a variety of competitive services.
The IBERIABank philosophy is to exceed client satisfaction by delivering unparalleled customer service at every point of contact. We are committed to offering products and services customized to meet your financial needs. We provide a comprehensive financial product line including Retail, Commercial, Private Banking,
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The bank began in May of 1888 when five shareholders – A. A. Kendall, W. A. Wilson, Ed McCormick, Husted Agar and T. F. McCarty – incorporated Citizens National Bank. The bank officially opened its door on July 5, 1888. In 1911, it became Citizens State Bank, then in 1930 the bank converted to Citizens National Bank.
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