For the year 2026, the loan limit for USDA in Pleasant-Valley, within Dutchess county, NY, is $581,220, whereas the FHA limit for a single-family residence is $356,500.
Utilize Lendersa®'s USDA loan calculator to evaluate the best rates between USDA and FHA currently available.
It helps determine the necessary income, credit score, reserves, and documents required for qualification.
Our cutting-edge mortgage calculator displays USDA, FHA, Conforming, and VA loans side-by-side, ensuring you
can choose the best plan within
Evaluate a variety of loan offers from 100 lenders
| Loan Type | Loan Limit | Down Payment |
| USDA | $581,220 | 0% |
| FHA | $356,500 | 3.5% |
| Conventional Conforming | $726,525 | 3% |
Lendersa® aims to deliver the optimal USDA or FHA loan efficiently and without difficulty. Choose from three initial paths that guide you through connecting with suitable lenders and USDA loan programs tailored to your requirements.
A USDA home loan is insured by the government's Department of Agriculture, also known as a USDA rural development loan or USDA mortgage. Available exclusively in rural areas, USDA loans stand out by not requiring a down payment, contrasting with FHA loans, which have a minimum down payment requirement of 3.5%.
Enter your location to find out if it qualifies for USDA rural housing loan?
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