USDA Guaranteed Loans are the most popular rural development mortgage program in New York.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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Search USDA Direct Loan Limits (for low income applicants)

This approach means that the maximum loan limits for Guaranteed Loans are variable, with New York USDA income limits playing a major role.  Guaranteed Loan income limits across NY are listed below.

New York USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Albany-Schenectady-Troy, NY MSA$103,350$136,400
Allegany County, NY$86,850$114,650
Binghamton, NY MSA$86,850$114,650
Buffalo-Cheektowaga-Niagara Falls, NY MSA$88,400$116,700
Cattaraugus County, NY$86,850$114,650
Cayuga County, NY$86,850$114,650
Chautauqua County, NY$86,850$114,650
Chenango County, NY$86,850$114,650
Clinton County, NY$86,850$114,650
Columbia County, NY$90,700$119,700
Cortland County, NY$86,850$114,650
Delaware County, NY$86,850$114,650
Elmira, NY MSA$86,850$114,650
Essex County, NY$86,850$114,650
Franklin County, NY$86,850$114,650
Fulton County, NY$86,850$114,650
Genesee County, NY$86,850$114,650
Glens Falls, NY MSA$86,850$114,650
Greene County, NY$86,850$114,650
Hamilton County, NY$86,850$114,650
Ithaca, NY MSA$96,800$127,800
Kingston, NY MSA$95,800$126,450
Lewis County, NY$86,850$114,650
Montgomery County, NY$86,850$114,650
Nassau-Suffolk, NY HUD Metro FMR Area$127,850$168,750
New York, NY HUD Metro FMR Area$122,700$161,950
Otsego County, NY$86,850$114,650
Poughkeepsie-Newburgh-Middletown, NY HUD Metro FMR Area$108,550$143,300
Rochester, NY HUD Metro FMR Area$87,050$114,900
Rockland County, NY HUD Metro FMR Area$122,700$161,950
Schuyler County, NY$86,850$114,650
Seneca County, NY$86,850$114,650
St. Lawrence County, NY$86,850$114,650
Steuben County, NY$86,850$114,650
Sullivan County, NY$86,850$114,650
Syracuse, NY MSA$91,450$120,700
Utica-Rome, NY MSA$86,850$114,650
Watertown-Fort Drum, NY MSA$86,850$114,650
Westchester County, NY Statutory Exception Area$119,050$157,150
Wyoming County, NY$86,850$114,650
Yates County, NY HUD Metro FMR Area$86,850$114,650
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