FHA loan limits and USDA eligibility for ZIP 12531 — Holmes, NY

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks possible here if income is under the cap.

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USDA property eligibility

Likely eligible for $0 down

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Dutchess County

1–4 person household income limit

$144,750

5–8 person household income limit

$191,100

  • Dutchess County (Primary): $144,750 / $191,100
  • Putnam County: $195,050 / $257,500

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2026 FHA loan limits

Dutchess County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Putnam County

1-unit

$1,249,125

2-unit

$1,599,375

3-unit

$1,933,200

4-unit

$2,402,625

This ZIP lists more than one county cap. The property address picks the county on the loan.

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FAQ for ZIP 12531

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