USDA Loans in New York (2026): Requirements & Lenders

USDA loan snapshot for New York

Item	Estimate
Minimum down payment	0%
Minimum credit score	Typically 640 for automated approval
Typical NY home value	$403,000
3.5% down on typical home	$14,105
20% down on typical home	$80,600
Avg. effective property tax	1.60%/yr (~$537/mo)
Income for typical home (31% rule)	$136,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which New York programs pair with USDA loans?

Achieving the Dream: Low-rate loans for lower-income first-time buyers.
Down Payment Assistance Loan (DPAL): A 0% deferred loan, forgiven after a set period, paired with a SONYMA mortgage.

Details and current limits: State of New York Mortgage Agency (SONYMA).

How do I know if a home is USDA eligible?

Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.

USDA income limits

Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.

USDA loans in New York cities

New York City Buffalo Rochester Yonkers Syracuse Albany New Rochelle Cheektowaga Mount Vernon Schenectady Utica White Plains Hempstead Tonawanda Town Levittown Troy Irondequoit Niagara Falls Binghamton West Seneca Freeport Hicksville West Babylon Coram Valley Stream Central Islip Brighton Kiryas Joel Elmont Commack East Meadow Long Beach New City Uniondale Baldwin Huntington Station Spring Valley Oceanside Rome Ithaca Poughkeepsie Centereach Bay Shore Port Chester Franklin Square North Tonawanda Middletown Harrison Newburgh Saratoga Springs Jamestown Glen Cove Shirley Monsey Deer Park Lindenhurst Ossining West Islip Auburn Elmira Holbrook Plainview Rockville Centre Medford Peekskill Dix Hills Smithtown Watertown Kingston Copiague Garden City Rotterdam Massapequa Merrick Selden East Patchogue Mineola North Bellmore Niskayuna Hauppauge West Hempstead Lockport Eastchester North Bay Shore North Amityville Lynbrook East Massapequa Huntington Nanuet Plattsburgh Mamaroneck Lackawanna East Northport Roosevelt Holtsville Melville Ronkonkoma Lake Ronkonkoma Syosset North Babylon Woodmere Amsterdam Cohoes North Massapequa Scarsdale Wantagh North Valley Stream Port Washington Cortland Bethpage Islip Hampton Bays Oswego Massapequa Park Farmingville Rye Mastic Beach Pearl River Kings Park Fort Drum Floral Park Seaford Westbury Bellmore Sayville Batavia Eggertsville Johnson City Kenmore Riverhead Depew Tonawanda Mastic Gloversville Greenlawn South Farmingdale Glens Falls Beacon Oneonta New Cassel North New Hyde Park Latham Jefferson Valley-Yorktown Jericho Greece Rocky Point Olean East Islip St. James Endicott Salisbury Nesconset Stony Brook Manorville Stony Point Dunkirk Geneva North Merrick Ridge Patchogue Haverstraw Babylon Inwood Mount Sinai Endwell Tarrytown Miller Place North Wantagh Woodbury East Glenville Dobbs Ferry Suffern Fulton Roessleville North Lindenhurst Elwood Middle Island Great Neck Lake Grove North Bellport Terryville De Witt Myers Corner Mount Kisco Corning West Haverstraw Sleepy Hollow Scotchtown Canandaigua Chestnut Ridge East Setauket Watervliet Loudonville Oneida Massena New Hyde Park Fort Salonga South Huntington Lancaster Airmont East Rockaway North Gates

Frequently asked questions

Only in USDA-eligible areas. Many rural and suburban parts of New York qualify; check a specific address on the USDA eligibility map.

Often yes. State of New York Mortgage Agency (SONYMA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.

USDA loans in New York