In 2026, the USDA loan limit within Putnam-Lake, part of Putnam County, NY, is $657,900, while the FHA limit for a single-family home is $822,375.
Utilize the Lendersa® USDA loan calculator to evaluate and compare today’s favorable USDA versus FHA rates. Determine the required income, credit, reserves, and documents for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, aiding in deciding which program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
Lendersa® aims to secure the best USDA or FHA loan for you efficiently and without friction. Choose one of three paths to find matching lenders and advantageous USDA loan programs.
The USDA home loan, underpinned by the Department of Agriculture—often called a USDA rural development loan or USDA mortgage—is uniquely available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, no down payment is necessary for the USDA mortgage.
Enter your location to find out if it qualifies for USDA rural housing loan?
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