For the year 2025, the USDA loan limit within Wallkill, which is located in the county of Orange, NY, stands at $581,200. In contrast, the loan threshold for FHA on a single-family residence is set at $472,030.
To evaluate current USDA against FHA premium rates and see what financials are required, such as income, credit score, asset reserves, and documentation for qualification, utilize the Lendersa® USDA loan calculator. Our sophisticated mortgage tool allows side-by-side comparison of USDA, FHA, Conforming, and VA loans — enhancing your financial decision-making in .
2025 Overview of Loan Limits and Down Payments in Wallkill, within the county of Orange, NY
Loan Type
Loan Limit
Down Payment
USDA
$581,200
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,525
3%
Options for USDA and FHA Loans in Wallkill, NY
Lendersa® aims to swiftly find the best USDA or FHA loans without complications. Choose from three starting points to find compatible lenders and USDA loan offerings.
A USDA home loan, frequently called a USDA rural development loan or USDA mortgage, is backed by the U.S. Department of Agriculture. These loans are exclusive to rural areas, offering a no-down-payment option, unlike FHA loans, which necessitate at least a 3.5% down payment.
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