USDA and FHA Pro and Con in Washington, Dutchess County, NY
For 2026, in the county of Dutchess, Washington, NY, the loan limit for USDA is $581,200, with the FHA cap being $472,030 for a single-family residence.
You can use the Lendersa® USDA loan calculator to evaluate today's top rates for USDA vs. FHA loans and figure out the income, credit, reserves, and documents needed for qualification. Utilize our advanced mortgage calculator to see USDA, FHA, Conforming, and VA loans compared side by side to choose the best fit for your financial needs in .
2026 Loan Limits and Down Payment Requirements in Washington, Dutchess, NY
Loan Type
Loan Limit
Down Payment
USDA
$581,200
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,525
3%
Exploring USDA and FHA Loan Options in Washington, NY
Lendersa® aims to efficiently secure the optimal USDA or FHA loan for you, hassle-free. Opt for one of three starting routes to find matching lenders and suitable USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture and known as a USDA rural development loan, is available only in rural areas. Unlike FHA loans, which require a down payment of at least 3.5%, USDA loans demand no down payment.
Our Mission is To provide the highest quality financial services, through commitment to excellence and financial strength, exceeding the expectations of our members and employees. Our Vision is Commitment to making a positive difference in the financial lives of our members and in the community we serve. We want to be the financial institution.
Holyoke Credit Union was organized in 1911 as a Massachusetts state-chartered credit union to deliver a full assortment of consumer banking services to its members. Today, Holyoke Credit Union is chartered by the Commonwealth of Massachusetts and regulated by the Massachusetts Division of Banks.
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We’re member-owned and operated so you’ll always feel at home here. Arrha Credit Union is regarded as the premier educational base credit union in the Western Massachusetts financial community. Our Mission is to assist our members in reaching their financial goals by providing superior products and services in a personalized manner.
Approved Funding is a multi-state Direct Mortgage Lender. With over three decades of perseverance, billions in mortgage financing, and thousands of satisfied clients, we have become one of the area’s fastest growing privately held mortgage banks, by distinguishing ourselves through professionalism, honesty and integrity.
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At Silex Financial, we have 30 years of experience matching the right client to the right lending institution to the right deal; each and every time. Our residential and commercial mortgage advisors leverage decades of commercial and residential experience and expertise on your behalf.
NY Bravest Federal Credit Albany Firemen took a giant step in controlling their own financial future. They formed the 609th federal credit union in the United States. Of the 800 credit unions that were formed that first year, we currently are 1 of 104 still remaining. There have been over 25, 000 credit unions throughout the last 80 plus years
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