USDA VS FHA in Saugerties, Ulster County, NY

In 2026, the USDA loan limit in Saugerties, county of Ulster, NY, is set at $336,500. For a single-family home, the FHA limit is $472,030.

Use the Lendersa® USDA loan calculator to evaluate today's competitive USDA versus FHA rates and determine the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA loans side by side to help decide the best program for your financial needs in .

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2026 Loan Limits and Down Payment Requirements in Saugerties, Ulster, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

Discover USDA and FHA Loan Options in Saugerties, NY

Lendersa® is dedicated to providing you the best USDA or FHA loans quickly and hassle-free. Choose from one of three starting points that lead to matching lenders and USDA loan programs.

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Understanding the USDA Loan in NY

A USDA home loan, backed by the government Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is only available in rural areas. Unlike FHA loans that need a minimum 3.5% down payment, USDA loans require no down payment.

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



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  • 210 Main Street, Seneca, KS, 66538
  • Community National Bank was founded in 1984 by a group of individuals in Nemaha County, Kansas on a philosophy of diverse local ownership with decisions made on a local level. Our strategy is to offer a wide array of financial services, while being an integral part of the local communities we serve.

  • Fairview Lending
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  • Fairview Lending, we have many loan options to suit your needs. We make sure to get to know you to properly advise you of your best options when seeking a loan and We understand that getting a home mortgage is a huge decision. We pride ourselves on giving you all the information and comfortable with getting a loan.

  • Proper Mortgage Group, LLC
  • 7000 SW 22nd Court, Suite 127D, Davie, FL, 33317
  • We started many years ago as a small family real estate business and grew to meet the needs of our clients in the changing and growing market. With many years of real estate and financial experience, we opened Proper Mortgage Group to ensure all of our clients received the same exceptional level of service through every part of the home buying proc

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  • Since opening in 2000, Proficient Processing, LLC. has been proud to serve the Plantation community. We’re committed to not only providing quality products and services, but going above and beyond to ensure our customers are completely satisfied. We welcome you to look through our site to see all we have to offer.

  • Rapid Home Loan Corp
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  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Evergreen Mortgage Services Inc
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  • Evergreen Mortgage Services is committed to providing the right loan to finance your home. Our commitment remains second to none throughout the process, from application to closing. We are a licensed, full service, Mortgage Broker dedicated to guiding borrowers not just throughout the entire mortgage process.

  • AMC Mortgage Corporation
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  • Full service mortgage company serving Maryland, Pennsylvania and Florida. Acclaimed as one of America's top mortgage brokers. AMC also portfolios mortgage loans. AMC provides all types of mortgages from Fannie Mae, Freddie Mac, FHA, VA, USDA, construction loans to commercial loans.

  • Gulf Coast Business Bank
  • 12205 Metro Parkway, Fort Myers, FL, 33966
  • Gulf Coast Business Bank, the first community bank to be started in 12 years, will fill the void and be operated by experienced and proven bankers from our local community who along with the board will invest more than $3M of the $20M raised in Capital and drive local deposits and loans to support organic and sustainable growth of GCBB.

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  • Alliance Mortgage manage your entire loan process in-house, from application to closing, to help your loan close faster. We also consider all the financial factors affecting your mortgage to help you strike the right balance – and our competitive mortgage rates, low closing costs, and wide array of mortgage products.

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  • Our community is important, and we take pride in where we live and work. Countryside Bank employees and families have deep roots in the community, as do many of our loyal customers. As new people discover the advantages of small communities and independent banks, we continue to grow and build new customer relationships.

  • Life Capital Lending Group, Inc.
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