In 2026, the USDA loan limit in Monticello, located in the county of Sullivan, NY, is $336,500. On the other hand, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate the top USDA vs FHA rates today, and identify the income, credit, reserves, and documents you need to qualify. Our advanced mortgage calculator enables you to compare USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the most suitable program for your financial needs in Alabama.
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| Loan Type | Loan Limit | Down payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The goal of Lendersa® is to swiftly and efficiently secure the best USDA or FHA loan for you, hassle-free. Select one of three starting approaches to connect with lenders and explore USDA loan programs tailored to your situation.
A USDA home loan, backed by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a minimum of 3.5% down payment, USDA loans do not require any down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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