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.
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Rhinebeck Bank is a full service, locally focused bank headquartered in Poughkeepsie, NY. We offer a full range of personal checking, savings, money market and certificates of deposit as well as, home equity lines of credit and mortgages. For commercial customers we offer a broad variety of products and services for sole proprietors, partnerships.
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Ulster Savings Bank is more than just banking! We offer a full line of products and services for both personal and business such as insurance, payroll services, tax preparation and wealth management. business such as insurance, payrol A leader in community giving, Ulster Savings Bank is actively involved in the communities we serve
