As of 2026, the USDA loan limit in Pawling, Dutchess county, NY, is $581,200, while the FHA limit for a single-family home is $472,030.
Take advantage of the Lendersa® USDA loan calculator to compare the current best rates for USDA vs. FHA loans. This tool helps identify the income, credit, reserves, and documentation necessary to qualify. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA loans side by side, assisting in determining the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $581,200 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,525 | 3% |
Lendersa® aims to help you secure the best USDA or FHA loan swiftly and without hassle. Choose one of three starting points to get matched with lenders and discover USDA loan programs.
A USDA home loan, known as a USDA rural development loan or USDA mortgage, is guaranteed by the government's Department of Agriculture and is specifically for rural neighborhoods. These loans do not require a down payment, unlike FHA loans which require at least a 3.5% down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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