In 2026, the USDA loan limit in Shandaken, located in Ulster, NY, is $336,500, whereas the FHA loan limit for a single-family home stands at $472,030.
Utilize the Lendersa® USDA loan calculator to compare the most competitive USDA versus FHA rates available today. Determine the necessary income, credit, reserves, and documentation for qualification. With our sophisticated mortgage calculator, you can examine USDA, FHA, Conforming, and VA programs side by side to decide which option is ideal for your financial needs in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The mission of Lendersa® is to efficiently deliver the finest USDA or FHA loans, quickly and hassle-free. Choose one of three initial points to connect with lenders and USDA loan programs.
A USDA home loan, backed by the Department of Agriculture—known as a USDA rural development loan or USDA mortgage—is available exclusively in rural neighborhoods. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA mortgage has no down payment requirement.
Enter your location to find out if it qualifies for USDA rural housing loan?
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