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

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

Use the Lendersa® USDA loan calculator to evaluate the current top rates between USDA and FHA loans. Identify the income, credit, reserves, and documentation needed for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping you pick the best option for your financial situation in .

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2025 Loan Limits and Down Payment Requirements in Stanford, Dutchess, NY

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

USDA and FHA Loan Options in Stanford, NY

Lendersa® aims to help you secure the best USDA or FHA loan quickly and easily. Choose one of the three starting options for matching lenders and accessing USDA loan programs.

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Understanding the USDA Loan in NY

The USDA home loan, endorsed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans that require a minimum 3.5% down payment, USDA loans have no down payment requirement, highlighting their appeal for eligible borrowers.

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



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