FHA Loan Limits and USDA Eligibility in Putnam County, New York
2026 FHA one-unit limit in Putnam County is $1,249,125. Two-unit is $1,599,375, three-unit is $1,933,200, and four-unit is $2,402,625. USDA 502 Guaranteed 1–4 person moderate income is $195,050. Enter a ZIP on the maps. USDA scores the property address, not the county.
2026 FHA Loan Limits Map for New York
New York one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+
USDA Property Eligibility and Income Limits Map for New York
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EligibleIneligibleUSDA ineligible boundary
Putnam County FHA Loan Limits and USDA Income
FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 10505 | $1,249,125 | $182,700 |
| 10509 | $1,249,125 | $182,700 to $195,050 |
| 10512 | $1,249,125 | $144,750 to $195,050 |
| 10516 | $1,249,125 | $195,050 |
| 10524 | $1,249,125 | $195,050 |
| 10537 | $1,249,125 | $182,700 to $195,050 |
| 10541 | $1,249,125 | $182,700 to $195,050 |
| 10542 | $1,249,125 | $195,050 |
| 10579 | $1,249,125 | $195,050 |
| 12531 | $1,249,125 | $144,750 to $195,050 |
| 12563 | $1,249,125 | $195,050 |