USDA and FHA Pro and Con in Washington, Dutchess County, NY
For 2025, 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 .
2025 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.
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