USDA Vs. FHA your options comparison in New-Paltz, Ulster County, NY
In 2025, the USDA loan ceiling in New-Paltz, county of Ulster, NY is $285,000, compared to an FHA limit of $356,362 for a single-family home.
Use the Lendersa® USDA loan calculator to evaluate today's USDA versus FHA rates and determine the necessary income, credit score, reserves, and documentation for eligibility. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side, which helps in selecting the right program for your financial circumstances in Alabama.
2025 Loan Limits and Down Payment Requirements in New-Paltz, Ulster, NY
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conforming Conventional
$548,250
3%
Evaluating USDA and FHA Loan Options in New-Paltz, NY
Lendersa® aims to swiftly connect you with the most suitable USDA or FHA loan, without hassle. Choose one of three pathways for linking with matching lenders and accessing USDA loan programs.
A USDA home loan, supported by the government Department of Agriculture, often called the USDA rural development loan or USDA mortgage, is intended for rural areas only. USDA loans have the advantage of not requiring a down payment, unlike FHA loans which need a minimum 3.5% down payment.
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