FHA Loan Limits and USDA Eligibility in Washington County, New York
2026 FHA one-unit limit in Washington 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
Washington 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 |
|---|---|---|
| 12057 | $541,287 | $122,800 to $141,600 |
| 12154 | $541,287 | $122,800 to $141,600 |
| 12809 | $541,287 | $122,800 |
| 12816 | $541,287 | $122,800 |
| 12819 | $541,287 | $122,800 |
| 12821 | $541,287 | $122,800 |
| 12823 | $541,287 | $122,800 |
| 12827 | $541,287 | $122,800 |
| 12828 | $541,287 | $122,800 to $141,600 |
| 12832 | $541,287 | $122,800 |
| 12834 | $541,287 | $122,800 |
| 12837 | $541,287 | $122,800 |
| 12838 | $541,287 | $122,800 |
| 12839 | $541,287 | $122,800 |
| 12841 | $541,287 | $122,800 |
| 12848 | $541,287 | $122,800 |
| 12849 | $541,287 | $122,800 |
| 12854 | $541,287 | $122,800 |
| 12861 | $541,287 | $122,800 |
| 12865 | $541,287 | $122,800 |
| 12873 | $541,287 | $122,800 |
| 12887 | $541,287 | $122,800 |