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
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
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.
Enter your location to find out if it qualifies for USDA rural housing loan?
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