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.
Twenty years after its first business was founded, the Village of Millbrook needed a bank. The State of New York granted the Bank of Millbrook its charter on May 11, 1891, and seven days later we received our first customers on Franklin Avenue. Our first Board of Directors consisted of 15 prominent businessmen and residents of the community.
TEG Federal Credit Union is a local, member-owned, not-for-profit, full-service community financial institution open to all those who live, work, worship or attend school in Dutchess, Orange, Ulster, Sullivan, Putnam, Rockland and Westchester County in New York. Since 1969, TEG has been a steady source of financial services to its members.
Today, Hudson Valley Credit Union is a full service not-for-profit financial cooperative, 300, 000+ members strong. We extend membership to our neighbors who live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties.
Rhinebeck Bank is a full service, locally focused bank headquartered in Poughkeepsie, NY. We offer a full range of personal checking, savings, money market and certificates of deposit as well as, home equity lines of credit and mortgages. For commercial customers we offer a broad variety of products and services for sole proprietors, partnerships.
Ulster Federal Credit Union is a non-profit association of member owners whose goal is to provide a variety of financial services that feature benefits and advantages over those generally available from other banking sources and to encourage their use with the specific intent of helping our members improve their personal financial status.
Ulster Savings Bank is more than just banking! We offer a full line of products and services for both personal and business such as insurance, payroll services, tax preparation and wealth management. business such as insurance, payrol A leader in community giving, Ulster Savings Bank is actively involved in the communities we serve
Putnam County National Bank was established in 1865. We are locally owned and operated. We have been delivering exceptional service to our customers and the communities we serve for over 150 years! Our high level of personal service and dedication is evident as we strive to satisfy our customers' financial needs and improve our communities.
