USDA and FHA Pro and Con in Livingston, Columbia County, NY
In 2026, the USDA loan limit in Livingston, Columbia County, NY is $336,500, while the FHA limit for a single-family home is $472,030.
Use the Lendersa® USDA loan calculator to compare today’s top USDA and FHA rates, and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, helping you decide which program in is the most beneficial for your financial situation.
2026 Loan Limits and Down Payment Requirements in Livingston, Columbia, 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 Options in Livingston, NY
Lendersa® aims to quickly secure you the best possible USDA or FHA loan without hassle. Choose from three starting options to connect with matching lenders and applicable USDA loan programs.
A USDA home loan, guaranteed by the U.S. Department of Agriculture—also known as a USDA rural development loan or USDA mortgage—is available solely in rural areas. Unlike FHA loans, which require at least a 3.5% down payment, the USDA mortgage doesn’t require any down payment.
100 Grandview Road, Suite 105, Braintree, MA, 02184
Harbor Mortgage Solutions was founded on a few core values: integrity, expertise, and outstanding service. We believe that homeowners—especially seniors and their families—should feel comfortable and confident about their home financing/equity decisions, including the partners they choose.
We started Dovetail Mortgage™ to tackle the elephant in the mortgage process room. Applying for a loan all the way through the closing table should not be daunting. It should be seamless, and simple. In short, it should be harmonious. We have a combined 50-year experience as brokers and lenders.
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Serving the Greater Central New York community for 100 years, Solvay Bank continues to strive to provide consumers and small business customers outstanding service and quality financial products. We are a people-oriented, independent, commercial bank that focuses on meeting the needs of the communities we serve.
ACMG Federal Credit Union exists solely to serve the needs of our members by providing them the tools they need to manage their everyday finances and assist them in reaching their financial goals. Think of us as a resource that provides both a safe place to save your money, and a honest place to borrow money.
Founded in 1917, Solvay Bank is the oldest commercial bank in Central New York. We have nine locations in the Greater Syracuse area.Our mission is to provide the best experience for our customers to help make their financial dreams come true, while upholding socially responsible and community-minded principles, and delivering value to our sharehold
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New Jersey Latvian Federal Credit Union has been open since 1971. The credit union has assets totaling $8.72 Million and provides banking services to more than 200 members. The credit union is a fraternal credit union. Membership is also open to immediate family of current members.
