In 2025, the USDA loan cap for Shawangunk, in Ulster county, NY, is $336,500, whereas the FHA limit for a single-family home is $472,030.
Employ the Lendersa® USDA loan calculator to weigh the best rates of USDA VS FHA as of today, determining income, credit history, reserves, and necessary documentation for qualification. This advanced mortgage calculator allows you to evaluate USDA, FHA, Conforming, and VA options side-by-side, aiding you in selecting the most suitable program for your financial scenario 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 effortlessly secure the most favorable USDA or FHA loan for you. Choose from three starting options to connect with lenders offering USDA loan programs.
The USDA home loan is a government-backed loan provided by the Department of Agriculture, commonly known as a USDA rural development loan or USDA mortgage. This type of loan is exclusive to rural areas or neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages demand no down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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