USDA Vs. FHA Pro and Con comparison in Philipstown, Putnam County, NY
In the current year, 2025, the USDA loan cap for Philipstown in the county of Putnam,
NY is recorded at $776,600, and for a single-family residence,
the FHA limit is $1,089,300.
Employ the Lendersa® USDA loan calculator to assess the top USDA against FHA rates available today,
identifying the necessary income, credit, reserves, and documentation required for qualification.
Our enhanced mortgage calculator displays USDA, FHA, Conforming, and VA loan options side by side.
This comprehensive view helps you decide on the best financing program tailored to your financial
needs in .
2025 Loan Limits and Down Payment Specifications in Philipstown, Putnam County, NY
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Philipstown, NY
The mission of Lendersa® is to swiftly secure you the most favorable USDA or FHA loans with minimal fuss.
Choose one of the three initial strategies to connect effectively with matching lenders and USDA loan programs
aligned with your needs.
The USDA home loan, guaranteed by the U.S. Department of Agriculture, is referred to either as a USDA
rural development loan or USDA mortgage. This is specifically available in rural areas. Unlike FHA
loans necessitating a minimum 3.5% down payment, the USDA mortgage typically requires no down payment,
making it an attractive option for eligible buyers.
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