In 2026, the USDA loan limit in Southeast, within Putnam county, NY, is $776,600. Meanwhile, the FHA limit for a single-family home is $1,089,300.
Utilize the Lendersa® USDA loan calculator to compare today's best rates for USDA versus FHA, assessing the income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding in your decision for the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $776,600 | 0% |
| FHA | $1,089,300 | 3.5% |
| Conventional Conforming | $1,089,300 | 3% |
Lendersa® aims to secure the optimal USDA or FHA loans promptly and effortlessly. Select one of three starting points to connect with matching lenders and USDA loan programs that fit your needs.
A USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is available solely in rural areas. Unlike FHA loans, which necessitate a minimum down payment of 3.5%, USDA loans require no down payment, enhancing accessibility.
Enter your location to find out if it qualifies for USDA rural housing loan?
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