USDA Vs. FHA your options comparison in Red-Hook, Dutchess County, NY
In 2026, the USDA loan limit for Red-Hook, located in the county of Dutchess, NY, is $581,220, whereas the FHA limit for a single-family home is $356,500.
Utilize the Lendersa® USDA loan calculator to compare today's top USDA and FHA rates, and to find out the income level, credit score, reserves, and documents required for qualification. Our advanced mortgage calculator showcases USDA, FHA, Conforming, and VA options side by side, aiding you in selecting the most suitable program in for your personal financial needs.
2026 Loan Limits and Down Payment Requirements in Red-Hook, County of Dutchess, NY
Loan Type
Loan Limit
Down Payment
USDA
$581,220
0%
FHA
$356,500
3.5%
Conventional Conforming
$726,525
3%
Available USDA and FHA Loan Options in Red-Hook, NY
Lendersa® aims to provide you with the optimal USDA or FHA loans quickly and effortlessly. Choose one of the three starting options to connect with suitable lenders and USDA loan offerings.
A USDA home loan, backed by the government's Department of Agriculture, also known as a USDA rural development loan or mortgage, is available exclusively in rural locations. Unlike FHA loans that demand a minimum 3.5% down payment, the USDA mortgage requires no down payment.
Rhinebeck Bank is a full service, locally focused bank headquartered in Poughkeepsie, NY. We offer a full range of personal checking, savings, money market and certificates of deposit as well as, home equity lines of credit and mortgages. For commercial customers we offer a broad variety of products and services for sole proprietors, partnerships.
Ulster Federal Credit Union is a non-profit association of member owners whose goal is to provide a variety of financial services that feature benefits and advantages over those generally available from other banking sources and to encourage their use with the specific intent of helping our members improve their personal financial status.
Ulster Savings Bank is more than just banking! We offer a full line of products and services for both personal and business such as insurance, payroll services, tax preparation and wealth management. business such as insurance, payrol A leader in community giving, Ulster Savings Bank is actively involved in the communities we serve
Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities. Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs
Valley Mortgage Company, Inc. arranges for loans with third party providers who offer a full spectrum of loan products including the following: conventional fixed and variable rate conforming and jumbo loans, Federal Housing Administration (FHA) insured loans, Veterans Administration loans, RHS Guaranteed loans (100% Financing and more
At National Bank of Coxsackie, we pride ourselves on being a reliable hometown bank that focuses on customer service. We are committed to providing you with the finest products and services possible. National Bank of Coxsackie understands that not every individual is the same and views our customers as such.
Twenty years after its first business was founded, the Village of Millbrook needed a bank. The State of New York granted the Bank of Millbrook its charter on May 11, 1891, and seven days later we received our first customers on Franklin Avenue. Our first Board of Directors consisted of 15 prominent businessmen and residents of the community.
Today, Hudson Valley Credit Union is a full service not-for-profit financial cooperative, 300, 000+ members strong. We extend membership to our neighbors who live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties.
