USDA and FHA Pro and Con in Rhinebeck, Dutchess County, NY

In 2025, the loan limit for USDA in Rhinebeck, county of Dutchess, NY, is $581,200, while for a single-family home, the FHA limit is $472,030.

Utilize Lendersa® USDA loan calculator to compare today's most favorable USDA versus FHA rates and identify the necessary income, credit, reserves, and documentation for qualification. With our advanced mortgage calculator, you can assess USDA, FHA, Conforming, and VA loans side by side, enabling you to select the most suitable program in Alabama for your financial situation.

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2025 Loan Limits and Down Payment Requirements in Rhinebeck, Dutchess County, NY

Loan Type Loan Limit Down payment
USDA $581,200 0%
FHA $472,030 3.5%
Conventional Conforming $726,525 3%

Explore USDA and FHA Loan Options in Rhinebeck, NY

Lendersa® is dedicated to swiftly securing you the best possible USDA or FHA loan. Choose one of three approaches to engage with lenders and USDA loan programs that match your needs.

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Understanding USDA Loans in NY

A USDA home loan, guaranteed by the government via the Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is exclusive to rural areas. While FHA loans demand a minimum down payment of 3.5%, USDA loans do not require any down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • SG Capital Partners
  • 750 Washington Boulevard, Suite 1050, Stamford, CT, 06901
  • SG Capital Partners is a correspondent lender that offers Non-QM (Non-Agency) residential real estate debt across a wide variety of portfolio products including owner occupied, second homes and investor markets nationwide. We collaborate directly with our clients in order to create innovative mortgage solutions that truly fit a borrower’s needs
  • North Atlantic Mortgage, Corp.
  • 706 Bedford Street, Stamford, CT, 06901
  • North Atlantic Mortgage guides individuals through the complexities of residential and commercial finance. With proven strategies using unique financing solutions, we can provide the best competitive rates.North Atlantic offers attentive service and prudent thoughtful advice. We consistently provide our clients with the highest quality of guidance.
  • Police Credit Union of CT
  • 253 High Street, Hartford, CT, 06103
  • We do what banks do, but with better rates & lower fees. Open to ALL Law enforcement in the State of Connecticut. Skilled employees giving great services. We hope to become a statewide police credit union, serving all law enforcement in the state.All police departments are invited to partner with us as to provide police-oriented financial services.
  • General Merchant Funding
  • 150 Trumbull Street, 4th Floor, Hartford, CT, 06103
  • General Merchant Funding was established with the mission of offering small businesses access to fairly priced funding options. GMF is the best solution for small businesses unable to qualify for traditional funding. By assessing your business' monthly cash flow, GMF enables you to use the strength of your cash flow to manage demands for capital.
  • Sojourn Mortgage Company, LLC
  • 15 Lewis Street, Suite 402, Hartford, CT, 06103
  • Sojourn Mortgage Company. We work closely with home buyers throughout the lending process. Sojourn Mortgage Company LLC Founder Paula Mercier explains, “The goal of Sojourn Mortgage is to deliver such high-quality service that clients will want to recommended us to their friends and family.
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  • 172 Broadway, Suite 104, Woodcliff Lake, NJ, 07677
  • Pinehill Mortgage Group, Inc. offers all loan programs to meet your needs. We handle Conventional, Non-Conventional, FHA, VA, Reverse and Commercial products. Conforming Loans: Conforming long-term, fixed-rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines.
  • Quick Real Estate Funding Nationwide Private Lender
  • 40 Richards Ave, Suite 300, Norwalk, CT, 06854
  • Quick Real Estate Funding we are finding new ways to make Private Money Funding more accessible. We have the resources to invest in many different markets, we have been able to gain a lot of experience providing funds for real estate across the state, including a ground up construction loan in Connecticut.
  • Educational & Governmental Employees FCU
  • 333 N Central Avenue, Hartsdale, NY, 10530
  • Established in 1937, Educational and Governmental Employees Federal Credit Union is a safe, secure, and full service financial institution, serving nearly 7, 300 members. We pride ourselves on offering outstanding service and providing members with the tools and resources for a brighter financial future.