As of 2026, in Woodstock, located within Ulster county, NY, the USDA loan ceiling is $336,500. In contrast, the FHA limit for a single-family residence sits at $472,030.
The Lendersa® USDA loan calculator allows you to compare current optimal USDA and FHA rates, determining the necessary income, credit, reserves, and required documentation to qualify. Our advanced mortgage calculator facilitates a comparison of USDA, FHA, Conforming, and VA options side by side, aiding your decision for the best program in that aligns with your financial circumstances.
2026 Loan Limits and Downpayment Requirements in Woodstock, Ulster, NY
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Woodstock, NY
Lendersa® endeavors to connect you with the best available USDA or FHA loans swiftly and without difficulty. Opt for one of three starting routes to align with lenders and find the right USDA loan programs.
A USDA home loan, also known as the USDA rural development loan or USDA mortgage, receives backing from the U.S. Department of Agriculture. It is solely accessible in rural regions. Unlike FHA loans requiring a minimum 3.5% down payment, USDA loans require no down payment, presenting a notable benefit.
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
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.
Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities. Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs
Valley Mortgage Company, Inc. arranges for loans with third party providers who offer a full spectrum of loan products including the following: conventional fixed and variable rate conforming and jumbo loans, Federal Housing Administration (FHA) insured loans, Veterans Administration loans, RHS Guaranteed loans (100% Financing and more
At National Bank of Coxsackie, we pride ourselves on being a reliable hometown bank that focuses on customer service. We are committed to providing you with the finest products and services possible. National Bank of Coxsackie understands that not every individual is the same and views our customers as such.
Wallkill Valley Federal Savings & Loan Association, the stated goals were to promote thrift and homeownership within the local community. The Association sought to meet these goals by providing a safe place for local savings deposits and by prudently lending these deposits back into the community in the form of home mortgages
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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.
