FHA Loan Limits and USDA Eligibility in Sullivan County, New York
2026 FHA one-unit limit in Sullivan County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $122,800. 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
Sullivan 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 |
|---|---|---|
| 10940 | $541,287 | $122,800 to $144,750 |
| 12435 | $541,287 | $137,800 |
| 12458 | $541,287 | $122,800 to $137,800 |
| 12701 | $541,287 | $122,800 |
| 12719 | $541,287 | $122,800 |
| 12720 | $541,287 | $122,800 |
| 12721 | $541,287 | $122,800 to $144,750 |
| 12722 | $541,287 | $122,800 |
| 12723 | $541,287 | $122,800 |
| 12724 | $541,287 | $122,800 |
| 12725 | $541,287 | $122,800 to $137,800 |
| 12726 | $541,287 | $122,800 |
| 12729 | $541,287 | $122,800 to $144,750 |
| 12732 | $541,287 | $122,800 |
| 12733 | $541,287 | $122,800 |
| 12734 | $541,287 | $122,800 |
| 12736 | $541,287 | $122,800 |
| 12737 | $541,287 | $122,800 |
| 12738 | $541,287 | $122,800 |
| 12740 | $541,287 | $122,800 to $137,800 |
| 12741 | $541,287 | $122,800 |
| 12742 | $541,287 | $122,800 |
| 12743 | $541,287 | $122,800 |
| 12745 | $541,287 | $122,800 |
| 12747 | $541,287 | $122,800 |
| 12748 | $541,287 | $122,800 |
| 12749 | $541,287 | $122,800 |
| 12750 | $541,287 | $122,800 |
| 12751 | $541,287 | $122,800 |
| 12752 | $541,287 | $122,800 |
| 12754 | $541,287 | $122,800 |
| 12758 | $541,287 | $122,800 to $137,800 |
| 12759 | $541,287 | $122,800 |
| 12760 | $541,287 | $122,800 |
| 12762 | $541,287 | $122,800 |
| 12763 | $541,287 | $122,800 to $137,800 |
| 12764 | $541,287 | $122,800 |
| 12765 | $541,287 | $122,800 |
| 12766 | $541,287 | $122,800 |
| 12767 | $541,287 | $122,800 |
| 12768 | $541,287 | $122,800 |
| 12769 | $541,287 | $122,800 |
| 12770 | $541,287 | $122,800 |
| 12775 | $541,287 | $122,800 |
| 12776 | $541,287 | $122,800 |
| 12777 | $541,287 | $122,800 |
| 12778 | $541,287 | $122,800 |
| 12779 | $541,287 | $122,800 |
| 12781 | $541,287 | $122,800 |
| 12783 | $541,287 | $122,800 |
| 12784 | $541,287 | $122,800 |
| 12785 | $541,287 | $122,800 to $144,750 |
| 12786 | $541,287 | $122,800 |
| 12787 | $541,287 | $122,800 |
| 12788 | $541,287 | $122,800 |
| 12789 | $541,287 | $122,800 to $137,800 |
| 12790 | $541,287 | $122,800 |
| 12791 | $541,287 | $122,800 |
| 12792 | $541,287 | $122,800 |